It projects your pension pot based on your current pot, your and your employer's contributions (as % of salary or fixed annual amounts), 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. Choose your household and lifestyle to set the target.

You can enter contributions as a percentage of salary (re‑calculated each year as salary changes) or as a fixed annual £ amount (stays the same each year). 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; after that, it stays flat. You can change both the peak age and the cap in the form.

In Year mode, the peak‑age constraint only applies if you provide your date of birth (so we can estimate your current age). Without a DOB, salary growth can continue at 3% until it hits the salary cap. In Age mode, DOB is required.

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. This is not a guarantee and may not be suitable for all situations.

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

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.

Different growth assumptions, salary pathways, contribution definitions, fees, inflation adjustments, or withdrawal rules can lead to different projections.

The blue area shows cumulative contributions (your + employer). The green area shows investment gains. The black line is your total projected pot. The x‑axis shows years from now.

No. This is for guidance and educational purposes only. Consider seeking regulated financial advice for decisions.