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.
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. 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.
Plain-English guides to the things people most want to understand about their pension.
Realistic UK targets for 30, 40, 50 and beyond, 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 →What counts as a good employer contribution, and why matching is free money.
Read guide →The new £241.30 weekly rate, the rising pension age, and how to fill NI gaps.
Read guide →How the 20%, 40% and 45% top-ups work, and the relief higher earners forget to claim.
Read guide →Who inherits it, the age 75 rule, and the inheritance tax change coming in 2027.
Read guide →It only takes half a minute, and there's nothing to sign up for. See your pension's potential right now.
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