Pension Calculator
Project pension growth based on contributions and returns.
Used to show contribution as % of salary
Projected pot at retirement
£394,861.95
~£15,794.48 / year at a 4% withdrawal illustration
Total contributions
£165,000.00
Growth
£229,861.95
Annual contributions now
£4,800.00
% of salary
11.4%
Planning estimate only. Fees, tax relief, investment mix, and annuity rates are not modelled in full.
In-depth explanation
Estimate a workplace pension or 401(k)-style pot from today’s balance, employee and employer contributions, and expected growth. Includes a simple 4% withdrawal illustration at retirement. Everything runs locally in your browser — your inputs are not uploaded to produce the result.
A simplified £60,000 allowance warning is shown if yearly contributions look high. Tapering, carry-forward, and tax relief are not fully modelled. A rough planning rule of thumb for sustainable drawdown — not advice, and not the same as an annuity quote.
Add State Pension or Social Security separately when planning income. Use Pension Calculator for quick planning; confirm important money, tax, or health decisions with an official source or professional when needed.
Frequently asked questions
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