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Pension Calculator

Pension Calculator

Estimate how your pension pot could grow by retirement, based on your current balance, contributions, employer contributions and investment growth.

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Pension projection

Estimated Pension Pot at Retirement

£562,478

Current Pot£20,000
Your Future Contributions£111,000
Employer Contributions£66,600
Estimated Investment Growth£364,878
Estimated Final Pension Pot£562,478
Years Until Retirement37

Growth over time

Contributed Growth
Age 30
£20,000
Age 31
£25,837
Age 32
£31,943
Age 33
£38,329
Age 34
£45,009
Age 35
£51,995
Age 36
£59,302
Age 37
£66,945
Age 38
£74,939
Age 39
£83,300
Age 40
£92,046
Age 41
£101,193
Age 42
£110,760
Age 43
£120,767
Age 44
£131,234
Age 45
£142,182
Age 46
£153,632
Age 47
£165,608
Age 48
£178,135
Age 49
£191,237
Age 50
£204,941
Age 51
£219,275
Age 52
£234,267
Age 53
£249,948
Age 54
£266,349
Age 55
£283,504
Age 56
£301,446
Age 57
£320,213
Age 58
£339,842
Age 59
£360,373
Age 60
£381,847
Age 61
£404,308
Age 62
£427,801
Age 63
£452,372
Age 64
£478,073
Age 65
£504,954
Age 66
£533,070
Age 67
£562,478

Illustrative withdrawal amount

Annual income if you withdrew a fixed percentage of your pot each year. Not a claim about sustainable income - actual sustainable withdrawal depends on returns, life expectancy and how the pot is invested.

At 3% a Year£16,874
At 4% a Year£22,499
At 5% a Year£28,124

This is an illustrative projection only, not a guarantee of retirement income - actual pension growth depends on investment performance, charges and contributions actually paid. It doesn't include the State Pension or any pension tax relief or Annual Allowance limits.

How this projection works

This calculator simulates your pension pot month by month from your current age to your retirement age, adding your and your employer's contributions each month and applying investment growth net of fees - not a shortcut that just multiplies an average return by the number of years, which can overstate or understate genuinely compounded growth.

What this doesn't include

This tool projects your own pension pot only. It doesn't include the State Pension, pension tax relief on contributions, or the Annual Allowance that limits how much can be paid in with tax relief each year - those depend on rules this first version deliberately keeps separate rather than estimating inaccurately.

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