Pension Calculator
Model your pension pot growth and see what retirement could look like.
Your Details
Pension Growth Over Time
Proactive Tax Tips & Allowances
Maximise employer contributions: Your employer contributes £100/mo vs your £200/mo. Employer pension contributions are tax-deductible for the company and avoid NI - ask about increasing their match.
Time is your biggest asset: Starting at 30 gives compound growth 37 years to work. Increasing contributions by just £50/month could add tens of thousands to your final pot.
Tax relief on contributions: Pension contributions receive tax relief at your highest rate. A £100 contribution costs £80 (basic rate), £60 (higher rate), or £55 (additional rate) after government top-up.
Annual Allowance headroom: You're contributing £3,600/year - within the £60,000 Annual Allowance. Unused allowance can be carried forward 3 years.
Tax-free lump sum: 25% of your pension pot can be withdrawn tax-free from age 55 (57 from 2028). Plan your withdrawal strategy to minimise lifetime tax.
Diversify with an ISA: A Stocks & Shares ISA offers tax-free growth with flexible access - complementing your pension which is locked until retirement age. Annual limit: £20,000.
This is a projection only. Actual returns vary. This tool does not constitute financial advice. Speak to a regulated financial adviser for personalised pension planning.