Pension pot calculator
Enter your age, salary, current pot and contribution rate. You get your projected pot at retirement, the yearly income it might pay, and your 25% tax-free lump sum, all in today's money under three growth scenarios.
Run my numbers →Self-employed pension calculator
No employer, no auto-enrolment, nobody topping you up. This version works from what you pay in yourself, adds the basic-rate tax relief the government puts on top, and shows what it could build to.
Run my numbers →Employer match calculator
Most people leave free money on the table without knowing it. Put in your salary, what you pay and what your employer will match up to, and see what the gap is worth by the time you retire.
Check my match →Pension charges calculator
An annual charge of 0.75% sounds like nothing. Over 30 years it isn't. Enter your pot, your contributions and your fee, and see the pounds that leave your pension rather than the percentage.
See the cost →How the maths works
Nothing is hidden, so you can check any of it yourself. The main calculator uses these assumptions, and each tool repeats the ones that apply to it on its own page:
- All figures are in today's money, adjusted for inflation, so a projected pot of £300,000 means what £300,000 buys now.
- Your pot grows under three scenarios: cautious at 4% a year, moderate at 5% and optimistic at 6%, all after inflation.
- Retirement income assumes you draw 4% of your remaining pot each year.
- The State Pension is shown at the full new rate of £12,548 a year for 2026/27, starting from your State Pension age, assuming a complete National Insurance record. Source: GOV.UK.
- You keep contributing the same percentage of your salary, with any pay rises you enter applied above inflation.
Growth rates are the biggest lever, and nobody knows what markets will do. That is why there are three of them rather than one confident number. Treat the output as a rough heading, not a destination.
What these calculators will not do
- Ask for your email before showing you a result.
- Store, send or track anything you type. The maths runs in your browser and stops when you close the tab.
- Recommend a provider, a fund or a product, or earn a commission from anything.
- Tell you what to do with your pension. That is a job for a regulated adviser who knows your circumstances.
Which one should you use?
If you have a workplace pension and just want a number, start with the pension pot calculator. If you work for yourself, the self-employed version is set up for you. The other two answer narrower questions that are worth asking once: whether you are getting everything your employer will give you, and how much your provider is quietly taking.
If a result surprises you, the guides explain the rules behind it. How much should I have in my pension by age puts your number in context, and the 25% tax-free lump sum explains the figure the calculator shows you at the end.
Run a website?
All four calculators can sit on your own site, free, with one line of HTML. No sign-up and nothing collected from your visitors. See the free calculator widget.
Start with your pot
A handful of numbers you already know, about 30 seconds, and nothing to sign up for.
Run my numbers →Pension Sprout provides illustrations and general information only, not regulated financial advice. Projections are not guarantees and real returns will differ. Figures reflect the 2026/27 tax year, correct as of August 2026. For advice tailored to your circumstances, speak to a financial adviser regulated by the Financial Conduct Authority (FCA), or get free guidance from MoneyHelper.