Retirement Projection Calculator

Find out if you're on track to retire when you want — and what you'll have.

📖 How does pension projection work?

This calculator models how your pension pot grows using compound investment returns and monthly contributions from you and your employer. It then estimates a monthly income using a sustainable 3% annual drawdown rate — how much you can withdraw each year without running out.

State Pension 2025-26: £11,502/yr from age 67 · Annual pension allowance: £60,000 · Projections assume constant contributions and returns — actual results will vary

Your Age

Retire At

Annual Salary

Current Pension Pot

Your Contribution: 5%

Employer Contribution: 3%

Expected Annual Return: 5%

1% cautious5% balanced12% aggressive

Include State Pension (£959/mo from age 67)

⚠️ Shortfall projected at age 65

£1,641/mo

projected retirement income

98% of target (£1,667/mo)

Projected Pot at Retirement£345,944

Your Total Contributions£105,600

Growth from returns£225,344

Monthly income from pot£1,641/mo

Years to retirement33 yrs

💡 At these levels you'd hit your income target around age 66. Try increasing contributions.

📈 Pension Pot Growth Over Time

Stacked: your contributions (bottom) + investment returns (top)

Sources & References

Projections assume constant contributions and returns. Consult a regulated financial adviser for personalised advice.

gov.uk: State Pension MoneyHelper: Pension calculator HMRC: Pension annual allowance