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.
Workplace pensions and 401(k)-style pots grow from your contribution, any employer match, and investment return. The 4% withdrawal illustration is a rule of thumb from old research — it is not a guarantee of a sustainable income.
UK annual allowances, tapering, and US contribution limits are simplified. State Pension or Social Security is extra. Use this to see the shape of saving more years, then confirm with a pension statement or adviser.
Frequently asked questions
Is the UK annual allowance checked?
A simplified £60,000 allowance warning is shown if yearly contributions look high. Tapering, carry-forward, and tax relief are not fully modelled.
What is the 4% withdrawal figure?
A rough planning rule of thumb for sustainable drawdown — not advice, and not the same as an annuity quote.
Does this include the State Pension?
No. Add State Pension or Social Security separately when planning income.
Related tools
Explore similar utilities you might find useful next.