Pension Pot Projector UK — Estimate Your Retirement Pot

Pension Pot Projector

Estimate the size of your pension pot at retirement from your contributions, your employer's and expected investment growth — plus your tax-free cash and likely income. Free PDF report.

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Get your full pension report — free PDF

  • Year-by-year pot growth to retirement
  • Employee vs. employer contributions
  • Tax-free lump sum & estimated yearly income
  • What paying in just £50 more a month would do

This projector is a guide only and not financial or pension advice. It assumes a constant growth rate and today's rules. Real returns, charges, inflation, the State Pension and tax will affect your outcome. The 25% tax-free figure is subject to the lump sum allowance. Consider regulated advice before making pension decisions.

How the pension pot projector works

Your pension is likely to be one of the biggest pots of money you ever build, yet most people have no idea what it could be worth at retirement. This projector gives you a clear estimate based on your current pot, what you and your employer pay in each month, the growth you expect after charges, and how many years you have left until you retire.

It compounds your contributions and growth month by month to your chosen retirement age, then shows three things that matter most: the projected pot, the 25% you could usually take as tax-free cash, and a rough sustainable yearly income using the widely-used 4% guideline. The free PDF adds a year-by-year breakdown and shows what paying in just £50 more a month could add.

Remember the State Pension comes on top of this — see the latest State Pension rates. If you have spare allowance, topping up via a Stocks & Shares ISA or, for under-40s, a Lifetime ISA can boost your retirement income further.

Frequently asked questions

How much pension will I have?
It depends on your current pot, how much you and your employer pay in each month, investment growth and how many years until you retire. This projector compounds all of those to estimate your pot at your chosen retirement age.
How much of my pension is tax-free?
You can usually take up to 25% of your pension pot as a tax-free lump sum from age 55 (rising to 57 in 2028), subject to the lump sum allowance. The rest is taxed as income when you withdraw it.
How much income will my pension give me?
A common rule of thumb is around 4% of your pot per year as a sustainable income in drawdown, on top of your State Pension. The calculator shows this estimate, though a guaranteed annuity may pay a different amount.
Should I increase my pension contributions?
Increasing contributions early has an outsized effect because the extra money compounds for longer, and you usually get tax relief on what you pay in. The PDF shows how much an extra £50 a month could add to your final pot — and check whether your employer will match higher contributions, which is effectively free money.
What growth rate should I use?
Use a realistic figure after charges. Many people model 4–5% a year for a balanced pension fund, but returns vary and are not guaranteed. Try a lower and higher rate to see a sensible range rather than a single number.
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