Pension Calculator
Estimate how much your pension pot could be worth at retirement and what monthly income it could provide.
£
£
£
1%5%10%
Cautious 3%
Moderate 5%
Aggressive 7%
Est. monthly income
Years to retirement
Total contributed
Investment growth
Contributions vs growth
⚠️ Estimates only. Does not account for inflation, tax relief, annuity rates or changes in contribution. Speak to a pension adviser for personalised guidance.
About the Pension Calculator
The pension calculator projects how much your pension pot could be worth at retirement based on your current savings, monthly contributions and assumed investment growth.
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How to use the Pension Calculator
1
Enter your current pension value
2
Enter monthly contributions — yours and employer
3
Set current age and retirement age
4
Choose a growth rate — 3–5% is commonly used
5
Tap Calculate
Pension pot by monthly contribution
Roughly what a pension pot could grow to over 30 years at 5% average annual growth, starting from £0, and the monthly income it might provide using the 4% rule. A guide only — real returns vary.
| Monthly in | Pot after 30 yrs | ~Income |
|---|---|---|
| £100/mo | £83,226 | £277/mo |
| £200/mo | £166,452 | £555/mo |
| £300/mo | £249,678 | £832/mo |
| £500/mo | £416,129 | £1,387/mo |
| £750/mo | £624,194 | £2,081/mo |
| £1000/mo | £832,259 | £2,774/mo |
Frequently Asked Questions
ℹ️ Accuracy note: Estimates only. Does not include State Pension or defined-benefit schemes. Consult a regulated financial adviser (FCA-authorised) for personal pension planning.
3–5% per year after charges is a conservative estimate used by many planners.
The UK requirement for employers to automatically enrol eligible workers. Minimum: 3% employer, 5% employee.
A common rule: 20–25× your desired annual income.
A common guide is that a pot providing around two-thirds of your working income gives a comfortable retirement, but it depends on your lifestyle, the State Pension and other savings. This tool estimates the income your projected pot could give.
The 4% rule suggests you can withdraw about 4% of your pot in the first year of retirement, adjusting for inflation after, with a good chance the money lasts ~30 years. This calculator uses 4% to estimate monthly income.
Paying in £300 a month for 30 years at 5% average growth could build a pot of roughly £250,000 — see the table above for other amounts. Starting earlier makes a big difference because of compounding.
The projected pot is from your own contributions only. The result notes your estimated total income if you add the full new State Pension on top.
Many people model 4–5% average annual growth for a mixed pension fund. Higher rates are possible but riskier. Use the Cautious/Moderate/Aggressive presets to compare scenarios.