UK workplace pensions benefit from employer contributions (minimum 3%) and tax relief (20-45% depending on your band). Together, these mean every £1 you contribute could be worth £1.60-£2.80 before any investment growth.
This calculator models your pension pot growth from now to retirement, including your contributions, employer contributions, tax relief, and investment returns. See how salary increases, contribution rate changes, and different retirement ages affect your final pot.
Whether you're just starting your career or approaching retirement, use this to check if you're on track and what adjustments would make the biggest impact.
Inputs
Results
Projected Pension Pot at 67
£298,787
Your Contributions
£64,750
Employer Contributions
£38,850
Investment Growth
£195,187
Years to Retirement
37
Year-by-Year Breakdown
| Year | Age | Employee | Employer | Growth | Balance |
|---|---|---|---|---|---|
| 1 | 31 | £1,750 | £1,050 | £140 | £2,940 |
| 2 | 32 | £1,750 | £1,050 | £287 | £6,027 |
| 3 | 33 | £1,750 | £1,050 | £441 | £9,268 |
| 4 | 34 | £1,750 | £1,050 | £603 | £12,672 |
| 5 | 35 | £1,750 | £1,050 | £774 | £16,245 |
| 6 | 36 | £1,750 | £1,050 | £952 | £19,998 |
| 7 | 37 | £1,750 | £1,050 | £1,140 | £23,938 |
| 8 | 38 | £1,750 | £1,050 | £1,337 | £28,074 |
| 9 | 39 | £1,750 | £1,050 | £1,544 | £32,418 |
| 10 | 40 | £1,750 | £1,050 | £1,761 | £36,979 |
| 11 | 41 | £1,750 | £1,050 | £1,989 | £41,768 |
| 12 | 42 | £1,750 | £1,050 | £2,228 | £46,796 |
| 13 | 43 | £1,750 | £1,050 | £2,480 | £52,076 |
| 14 | 44 | £1,750 | £1,050 | £2,744 | £57,620 |
| 15 | 45 | £1,750 | £1,050 | £3,021 | £63,441 |
| 16 | 46 | £1,750 | £1,050 | £3,312 | £69,553 |
| 17 | 47 | £1,750 | £1,050 | £3,618 | £75,971 |
| 18 | 48 | £1,750 | £1,050 | £3,939 | £82,709 |
| 19 | 49 | £1,750 | £1,050 | £4,275 | £89,785 |
| 20 | 50 | £1,750 | £1,050 | £4,629 | £97,214 |
| 21 | 51 | £1,750 | £1,050 | £5,001 | £105,015 |
| 22 | 52 | £1,750 | £1,050 | £5,391 | £113,205 |
| 23 | 53 | £1,750 | £1,050 | £5,800 | £121,806 |
| 24 | 54 | £1,750 | £1,050 | £6,230 | £130,836 |
| 25 | 55 | £1,750 | £1,050 | £6,682 | £140,318 |
| 26 | 56 | £1,750 | £1,050 | £7,156 | £150,274 |
| 27 | 57 | £1,750 | £1,050 | £7,654 | £160,727 |
| 28 | 58 | £1,750 | £1,050 | £8,176 | £171,704 |
| 29 | 59 | £1,750 | £1,050 | £8,725 | £183,229 |
| 30 | 60 | £1,750 | £1,050 | £9,301 | £195,330 |
| 31 | 61 | £1,750 | £1,050 | £9,907 | £208,037 |
| 32 | 62 | £1,750 | £1,050 | £10,542 | £221,379 |
| 33 | 63 | £1,750 | £1,050 | £11,209 | £235,387 |
| 34 | 64 | £1,750 | £1,050 | £11,909 | £250,097 |
| 35 | 65 | £1,750 | £1,050 | £12,645 | £265,542 |
| 36 | 66 | £1,750 | £1,050 | £13,417 | £281,759 |
| 37 | 67 | £1,750 | £1,050 | £14,228 | £298,787 |
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