Pension Pot Projection Calculator UK
Estimate your future UK pension pot from your current savings, monthly contributions and assumed investment growth. See your projected pot, tax-free cash and a rough retirement income estimate.
Calculator
What this means
Your pension pot grows through the contributions you and your employer make plus investment growth over time. Because growth compounds, even small regular contributions can build up significantly over several decades, though future returns are never guaranteed.
How to use this calculator
- Enter your current pot and monthly contributions.
- Set an assumed growth rate and years to retirement.
- See your projected pension pot.
Worked example
£20,000 now, £300 a month, 5% growth for 25 years.
- Contributions and growth compound over time.
- The pot grows from both your payments and investment returns.
You'll see an estimated pot at retirement based on your assumptions.
Who this is for
- Anyone planning for retirement.
- People checking if they're saving enough.
- Anyone testing different contribution levels.
What drives your pension pot
Your final pot depends on how much you and your employer pay in, the investment growth, charges, and how long the money is invested. Time and compounding make early contributions especially valuable.
Projections use assumed growth that isn't guaranteed, and inflation reduces future spending power. Use the figure as a guide and review contributions regularly rather than relying on a single forecast.
Frequently asked questions
A common rule of thumb is to put in a percentage of your salary equal to half your age when you started saving. There is no single right answer — the earlier you start, the more time your money has to grow.
You can usually take 25% of your pension pot tax-free from age 55 (rising to 57 from 2028), up to a lump sum allowance of £268,275 for most people.
No. The projection is shown in today's money terms before inflation, which reduces future spending power. Treat the figures as a rough guide rather than a guarantee, and review them regularly.
It depends on your target retirement income. A common guide is that you'll want roughly two-thirds of your working income — but everyone's needs differ, so model a few scenarios.
Not directly — it shows the nominal pot. To judge real spending power, use a more conservative growth rate or subtract an inflation estimate from your assumed return.
Disclaimer
This calculator provides estimates for guidance only. It is not financial, pension or tax advice. Pension values can fall as well as rise. For personal guidance, use the free government-backed MoneyHelper service or speak to a regulated financial adviser.
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