Free tool
Pension calculator
How much could your pension pay, and is it enough? Enter your savings and contributions to see a projection in today's money, your tax-free cash and the income it could provide.
How the projection works
We grow your savings and monthly contributions at the growth rate you choose, less charges, until your chosen retirement age. We then show the result in today's money, assuming 2.5 percent inflation.
Income assumes you take 25 percent tax free (up to the lump sum allowance) and draw the rest steadily until age 95. In real life you might buy an annuity, use drawdown, or a mix of both.
Important information
The value of pensions and investments can fall as well as rise and you may get back less than you put in. Pension and tax rules can change, and their effect depends on your circumstances.
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Q&A
Questions & answers
How much do I need in my pension to retire?
It depends on the income you want. As a rough guide, every 100,000 pounds in a pension might provide around 4,000 to 5,000 pounds a year of income before tax, depending on age, how you take it and investment returns.
What growth rate should I use?
The calculator offers the Financial Conduct Authority's low, mid and high projection rates of 2, 5 and 8 percent a year before charges. Nobody knows future returns, so it is sensible to look at the lower figure too.
Is the State Pension included?
If you choose to include it, we add the full new State Pension for 2026/27. Your own amount depends on your National Insurance record - you can check it at gov.uk/check-state-pension.
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