Most pension calculators ask twenty confusing questions. Ours asks for the handful of numbers you already know, then shows you where you're heading.
Calculate my pensionAdjust the numbers below and your results update instantly. All figures in today's money.
Self-employed? Use the self-employed calculator instead.
Illustration only, not financial advice. Figures are in today's money (adjusted for inflation) and assume you keep contributing the same percentage of your salary. Real returns aren't guaranteed, and the three growth rates offered here (4%, 5% and 6% after inflation) are all higher than the 2.9% central rate the FCA sets for providers' own projections. Your pot is turned into an income by taking the full 25% tax-free lump sum, then drawing 4% a year from the rest, with the State Pension added on top. State Pension shown at the full new rate of £12,548 a year for 2026/27, assuming a complete National Insurance record. The State Pension starts at your State Pension age (66 to 68 depending on when you were born), even if you retire earlier. Figures correct as of July 2026.
No accounts, no emails, no tracking of your numbers. Everything is worked out on your own device.
Seven simple fields, all things you already know. No annuity rates or actuarial jargon to look up.
Factors in pay rises and compound growth, in today's money, so the number actually means something.
No spreadsheets, no logins, no homework. Just enter what you know and see where you're heading.
Your age, salary, current pot, and how much you and your employer pay in. That's it.
We project your pot forward with compound growth and your expected pay rises, all in today's money.
Get a clear pot value and a rough retirement income, plus how it shifts if markets do better or worse.
The earlier you act, the more compounding does the heavy lifting. A few ideas to explore in the calculator.
Try raising your own contribution by a single percent. Over decades, that small change can add tens of thousands to your pot, because every extra pound has years to grow.
Many employers will pay in more if you do. It's effectively free money. Bump up the employer figure in the calculator to see what a better match could be worth.
Add the State Pension (£12,548 a year at the full 2026/27 rate) to your private pot's income to see your fuller picture. Many people are surprised how the two combine.
Narrower questions, same rules: no sign-up, nothing stored, every assumption written down.
No employer paying in. Works from your own monthly contribution, adds the tax relief on top, and shows what it could build to.
Try it →See what you are leaving behind if you are not paying in enough to get your employer's full match.
Check my match →Turn your provider's annual percentage into the pounds it actually takes out of your pot over the years.
See the cost →Plain-English guides to the things people most want to understand about their pension. The most-read ones are below, and every guide lives here.
Contribution targets by age, the pot each retirement lifestyle needs, and how to tell if you're on track.
Read guide →How the tax-free cash works, when you can take it, and the £268,275 cap.
Read guide →The £241.30 weekly rate, the rise to 67 month by month, deferring, tax and filling NI gaps.
Read guide →How the 20%, 40% and 45% top-ups work, and the relief higher earners forget to claim.
Read guide →No employer, no auto-enrolment. See what your own monthly contributions could become.
Try it →Victims lose life-changing sums, an average of £82,000 in one FCA study. The warning signs, and the 2-minute FCA check that stops most scams.
Read guide →The Child Benefit trap, free NI credits families miss, and how grandparents can claim credits too.
Read guide →The fees hiding in your pot, the 0.75% cap, and what half a percent really costs over a career.
Read guide →One plain-English pension tip each month, plus what has changed in the rules. No spam, unsubscribe any time.
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