What this UK pension calculator does
This pension calculator is designed to feel like one main planning tool rather than several separate pages. It combines four common pension journeys in one place: projecting your pot, seeing the impact of higher contributions, estimating the retirement pot needed for a chosen income, and showing a simple drawdown path.
What is included in the projection
The calculator models a current pension pot, regular employee and employer contributions, salary growth, annual investment growth, annual charges and inflation. It can also include State Pension, preserved DB pension, active DB accrual and a tax-free cash assumption before illustrating income from a chosen withdrawal rate.
Important assumptions
- Results are illustrations only and not personal financial advice
- Investment growth and inflation are uncertain and can change materially over time
- Tax relief and take-home estimates use simplified tax-year assumptions
- Drawdown examples do not guarantee sustainability and do not replace regulated advice
- Your actual State Pension may differ from the full-rate illustration used here
This calculator provides general estimates only and does not constitute financial, tax or legal advice.