Pension Calculator
Our pension calculator projects your pension pot at retirement. The PLSA suggests a moderate UK retirement requires £31,300/year (single). Full State Pension is £12,548/year in 2026/27. Auto-enrolment minimum: 5% employee + 3% employer.
Pension Calculator
Project your pension pot and retirement income based on your contributions for 2026/27.
Projected values are estimates. Investment returns are not guaranteed. Always seek regulated financial advice for pension decisions.
Enter your salary, current age, and target retirement age. Add your own contribution percentage and your employer’s. The calculator projects your pension pot using the assumed annual growth rate — 4% after inflation is a moderate long-term assumption for a balanced fund. Actual returns vary with market conditions and investment allocation. Higher equity exposure historically produces higher long-term returns but with more volatility. The State Pension figure (£12,548 for 2026/27) assumes a full qualifying record. Check your State Pension forecast at gov.uk/check-state-pension — NI gaps can reduce entitlement and may be worth filling voluntarily. The projected annuity income uses an indicative rate; many retirees now use income drawdown rather than a fixed annuity. Always take regulated advice before pension decisions.