Will You Have Enough to Retire Comfortably?

It projects your private pension from your current pot and contributions, after assumed investment growth, inflation and annual charges. The pot, illustrative 4% income and 2026 Retirement Living Standards benchmark are all shown in today's money.

We use the 2026 UK Retirement Living Standards. Single: Minimum £13,900; Comfortable £45,400. Two-person household: Minimum £22,500; Comfortable £62,700. These benchmarks exclude housing costs such as rent or mortgage payments, so adjust them for your circumstances.

You can enter contributions as a percentage of salary or as a fixed annual £ amount. The calculator adds your employee contribution and your employer's contribution together.

Salary grows at 3% per year until the earlier of reaching your chosen salary peak age and the salary cap you set.

We assume 5% investment growth per year before a 0.75% annual pension charge, with contributions added annually.

As a rule of thumb, we estimate a sustainable annual income in retirement as 4% of the projected pot.

We use 2.5% annual inflation and a 0.75% annual pension charge so results are shown in today's money. We do not model tax relief, detailed tax rules, investment volatility, State Pension or other retirement income.

In Age mode we use your date of birth and your target retirement age. In Year mode we use the difference between your chosen retirement year and the current calendar year.

For guidance and educational purposes only. Consider seeking regulated financial advice for decisions.