Pension Calculator UK: how much will my pension be?
See how big your pension could be when you retire, and roughly what yearly income it might provide, from your current pot and contributions.
Estimates for information only, using 2026/27 rates for England, Wales and Northern Ireland unless stated. Not financial or tax advice; check your own situation with HMRC or a qualified adviser.
How it works
Your pot grows each year from contributions (yours, your employer's, and tax relief) plus investment growth.
We show the result in today's money by subtracting inflation from growth, so you can compare it with what things cost now.
A common rule of thumb is that a pot can support withdrawing about 4% a year. The full new State Pension is on top of this, if you've built up 35 qualifying years.
Frequently asked questions
How much should I put into my pension?+
A popular guide is to save a percentage equal to half your age when you start, including your employer's contribution.
What's the minimum auto-enrolment contribution?+
8% of qualifying earnings in total, with at least 3% from your employer.
Is 4% a safe withdrawal rate?+
It's a rough guide based on historical returns, not a guarantee. Your situation and the markets will differ.