See how your retirement savings could grow over time. Enter your current age, savings, monthly contributions and expected return to estimate your pot at retirement. This calculator gives an estimate only and is not financial advice.
How to Use
- Enter your current age and the age you plan to retire.
- Add your current retirement savings and monthly contribution.
- Enter the annual return you expect, then click Calculate Projection.
- Review your projected pot, total paid in and estimated monthly income.
Key Features
- Compound growth projection — shows how savings and contributions grow together.
- Contribution breakdown — separates what you paid in from growth earned.
- 4% rule income estimate — a rough guide to sustainable monthly income.
- Estimate-only labelling — clearly marked as not financial advice.
- 100% private — runs entirely in your browser; nothing is sent or stored.
FAQs
Is this financial advice?
No. This calculator gives a simplified estimate for planning purposes only. It is not financial advice. Consider speaking to a regulated financial adviser about your pension.
What annual return should I assume?
Be cautious. A diversified pension might average around 4–6% a year before inflation and fees over the long term, but returns vary and are never guaranteed. Try a lower figure to see a conservative outcome.
What is the 4% rule?
It is a rough guideline suggesting you could withdraw about 4% of your pot each year in retirement without running out of money over 25–30 years. It is a rule of thumb, not a guarantee.
Does it account for inflation?
No. The figures are in nominal terms, so the spending power of the projected pot will be lower. You can enter a lower return to approximate a real-terms figure.
Related Tools
Try these related tools: Investment Calculator, Savings Calculator and Compound Interest Calculator.