It projects your pension pot based on your current pot, your and your employer's contributions, an investment growth assumption, and your time to retirement. It also estimates a sustainable retirement income using the 4% rule and compares it to UK Retirement Living Standards (RLS) targets.

We use the UK Retirement Living Standards. Single: Minimum £13,400; Comfortable £43,900. Couple: Minimum £21,600; Comfortable £60,000.

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, compounded annually on your pot after contributions.

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

No. Results are nominal (before inflation) and do not model charges, tax relief, detailed tax rules, allowances, investment volatility, or the UK State Pension.

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.