UK Pension Calculator
Enter your age, salary and contributions to see a projected pot at retirement, what the tax relief adds, and the same pot in today’s money.
このコンテンツは英語です。
These figures are estimates only and are not advice. This uses the 2026/27 income tax bands for England, Wales and Northern Ireland. Growth is not guaranteed and investments can go down as well as up.
米国版をお探しですか？ 401(k) Calculator
計算例
Workplace pension from age 35
Age 35, retire at 67, pot £20,000, salary £40,000, you pay 5%, employer 3%, relief at source, 5% growth, 0.5% charge, 2% pay rise, 2.5% inflation
Projected pot at 67: £369,872 Same pot in today’s money: £167,837 Years to go: 32 Put in by you before tax relief: £88,454 Your cost after tax relief: £58,437 Tax relief: £30,017 Put in by your employer: £53,072 Growth after charges: £208,346
The tool also lists the pot for every year.
Higher saving later on
Age 50, retire at 67, pot £100,000, salary £60,000, you pay 10%, employer 5%, net pay, 4% growth, 0.5% charge, no pay rise, 2.5% inflation
Projected pot at 67: £387,070 Same pot in today’s money: £254,381 Years to go: 17 Put in by you before tax relief: £102,000 Your cost after tax relief: £61,200 Tax relief: £40,800 Put in by your employer: £51,000 Growth after charges: £134,070
Net pay gives relief at 40% on the part of the salary above the higher rate threshold.
UK Pension Calculator について
This pension calculator projects the size of your pension pot at retirement. Enter your age, salary, the pot you have now and what you and your employer pay in. It adds the money month by month, applies growth less a yearly charge, and shows the projected pot, the same figure in today’s money and a year by year table.
It also shows how much of your contributions comes from tax relief, using the 2026/27 income tax bands. Choose relief at source, where the provider adds 20%, or net pay, where the contribution comes off your pay before tax. The projection is an estimate, growth is not guaranteed and the result is not advice.
UK Pension Calculator の使い方
- Enter your age, retirement age, current pot and salary.
- Enter your contribution and your employer’s as percentages of salary.
- Choose relief at source or net pay.
- Set the growth, charge, pay rise and inflation and read the projected pot.
主な使いみち
- Seeing what a workplace pension might be worth
- Testing the effect of paying in 1% more
- Comparing the real cost of a contribution after tax relief
- Checking your total against the £60,000 annual allowance
よくあるご質問
What is the difference between relief at source and net pay?
With relief at source you pay from taxed income and the provider claims 20% back for you. With net pay the contribution is taken before income tax, so you get relief at your own rate automatically. Non-taxpayers get no relief under net pay.
What is the annual allowance for 2026/27?
The standard annual allowance is £60,000, and tax relief on your own contributions is limited to 100% of your earnings. The allowance can be lower for very high earners and for people who have flexibly accessed a pension.
Why show the pot in today’s money?
Prices rise over time, so a large number in 30 years buys less than it does now. Taking off inflation gives a fairer idea of what the pot will be worth.
Is the growth rate guaranteed?
No. Investments can go up and down. Try a lower growth rate to see how sensitive the result is.