TL;DR
Pension Calculator: pension pot at retirement is £951,446 — ~£3,171/month at 4% drawdown.
structured-data: FinancialProduct · indexed for AI engines
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Pension Calculator

Project your retirement pot & income · 2025/26

Pension Pot at Retirement
£951,446
~£3,171/month at 4% drawdown
Total Contributed
£344,967
Investment Growth
£606,479
25% Tax-Free Lump
£237,861
Annual Income
£38,058
Quick context
Read full guide: Pension Types →
  • State Pension is ~£12k/yr — a foundation, not a plan; needs 35 NI years to qualify in full.
  • Workplace auto-enrolment is essentially free money — always take the full employer match before any other investment.
  • Salary sacrifice can turn £100 of salary into ~£143 in your pension by avoiding both income tax and NI on the slice.
Stress test
What if the world changes? Toggle a scenario.
simulator
New pension pot at retirement
£951,446
Δ vs baseline
+£0
Real value 1yr out
£928,240
@ 2.5% CPI
Today£951,446
Now£951,446
Current plan. Scenario figures are illustrative — they scale your current calculation rather than re-running every band. Useful for direction, not for filing.
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£
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Real return after fees & inflation
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Safe withdrawal: ~3.5–4%
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Projected pot

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