UK Pension Calculator
Project your workplace pension (or SIPP) pot at retirement based on your current balance, contributions, employer contribution and expected return.
Projected Pension Pot
£607,232
- Total contributions
- £177,600
- Total growth
- £414,632
Assumptions
- Constant contribution and return rate every year
- Employer contribution modeled as a simple added monthly amount, not capped by annual allowance rules
How it's calculated
Future value = principal × (1+r)^n + contribution × ((1+r)^n − 1) / r, compounded monthly.
Worked example
Starting at £15,000 with £400/month combined contributions at a 5% return over decades grows substantially, shown live above.
Frequently asked questions
Does this account for the pension annual allowance?
No — this is a simplified projection. Real contributions are subject to annually-set tax-relief limits.