Pension calculator

Find out how much pension you could get with our UK pension calculator. See if you’re on target for the retirement you want, and if not, what you could do to reach your goal.

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Winner of the Which? Recommended Provider and Boring Money’s Best Buy Pension

Calculate your pension

Enter how much money you'll need, a few details about your situation and include the State Pension if you'd like to.

You can increase your monthly contributions, change your retirement date or lower your monthly target to see the difference they could make.

How to calculate your results?
£
Your age
Monthly pension contribution
Current pension savings
Potential growth rate
What is the potential growth rate?

You can choose between three different annual growth rates to see how much your pension savings could increase by.

  • low: 2%
  • medium: 5%
  • high: 8%
Annual final salary pension
What is a final salary pension?
A final salary pension pays you a regular, guaranteed income in retirement. How much you get is based on how much you earned and how long you worked for the employer.

Your pension forecast

Estimated pension income
£ 1,046 per month
Estimated pension pot
£0
Tax-free cash
£0
How much tax-free cash I can take?
You can usually take up to 25% of your pension as a tax-free lump sum. The most you can take is £268,275.

Your result

Target
£0
Final salary pension
£0
Personal pension
£0
State pension
£1,046 per month

Only available at State Pension age.

State Pension
Our calculator assumes you're eligible for the full State Pension from age 67. When you can receive the State Pension depends on your date of birth and the rules can change.
You'll need

£ per month

Your pension forecast

£ 1,046 per month

Plan for a strong retirement in just 4 simple steps.

Couch to a £500K pension

Learn about the plan

Your pension forecast

Our pension calculator is a guide only. It’s not guaranteed you'll get that amount.

The figures shown are before tax and we have not built in annual or lifetime allowances set by HMRC.

Your eventual pension pot and income can depend on some of these things:

  • future contributions
  • returns from investments
  • tax relief on contributions
  • inflation and interest rates when you retire
  • changes in tax and pension rules by HMRC or other regulatory bodies
On track

How we worked this out

We’ve assumed the following things for our calculations.

Choose how to invest

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Do it yourself

Self-managed Personal Pension (SIPP)

If you’re a hands-on investor you can build your own portfolio using our individual funds. You can choose from a wide range of fund types to suit your investment style and attitude to risk.

Or you can keep things simple with one of our Target Retirement funds. 

 Learn more about our self-managed SIPP
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We do it for you

Managed Personal Pension (SIPP)

We’ll match you with investments that fit your attitude to risk. Then we manage them every step of the way.

You'll also get expert investment guidance from real people if you need it.

 Learn more about our Managed SIPP

No extra fees in retirement  

Unlike some pension providers, there's no extra fee when you want to start withdrawing your pension savings.

Learn more about pension withdrawals

No extra fees in retirement