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A Beginner's Guide to Pensions
Everything you need to know about UK pensions, in plain English. Sign up to receive your free guide and be the first to hear about new tools and content.
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WEALTH BRIEF UK
PENSION CALCULATOR
Build your pot, then see how long it lasts.
Select a phase below — use both for the full picture.
BUILD IT
SPEND IT
YOUR SITUATION
Current age
32
Retirement age
65
Current salary
£45,000
Salary growth ratei
How much you expect your salary to grow each year. 2–3% is typical for most workers.
2%
Existing pension poti
How much you currently have saved in your pension. Check your pension provider app or last annual statement.
£10,000
CONTRIBUTIONS
Your contribution
5%
Employer contribution
3%
Assumes contributions increase by 2% per year in line with salary growth.
GROWTH
Expected annual returni
How much you expect your pension investments to grow each year.
3% = conservative 5% = moderate 7%+ = aggressive
6%
Projected pot
£0
0 years growth
You contribute
£0
per month
Employer adds
£0
per month
Total contributions
£0
over your career
POT GROWTH OVER TIME
Enter your details above to see your projection.
YOUR POT
Adjust pot value
Set your own starting figure
Pension pot
£100,000
Projected pot: £0
Adjust retirement age
Override the projected retirement age
Retirement age
65
Projected retirement age: 65
DRAWDOWN SETTINGS
Desired income in retirementi
How much you want to take as your salary in retirement, before tax. Think about your expected monthly expenses and lifestyle.
£30,000
Growth rate in retirementi
How much your remaining pot continues to grow while you draw from it. Lower than pre-retirement as funds are typically moved to safer investments.
2% = cautious 4% = balanced
3%
State Pension not included — this shows your pension pot only. The full State Pension is currently £12,547.60/yr from age 67 (2026/27).
Money runs out
Age 0
–
Years funded
0 yrs
–
Starting pot
£0
at retirement
Monthly income
£0
from pension
⚠️ Your pot runs out before age 90. Consider increasing contributions or reducing withdrawals.
DRAWDOWN CURVE
Adjust your settings to see your drawdown.
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GET THE FREE GUIDE
A Beginner's Guide to Pensions
Everything you need to know about UK pensions, in plain English. Sign up to receive your free guide and be the first to hear about new tools and content.