Retirement Calculator
Calculate quickly and accurately with our free retirement calculator.
Your Pension
The combined value of your workplace and personal pensions today (excluding the State Pension).
Rates as of June 2026 (2026/27 tax year). Projection in future (nominal) pounds at your growth rate minus fees, compounded monthly. This is an estimate, not financial advice — see MoneyHelper for free, impartial government-backed guidance.
Results
Projected Pot at Retirement
After 25 years of contributions and growth
Estimated Annual Income
4% of pot + full new State Pension
Estimated Monthly Income
Before income tax
Maximum Tax-Free Lump Sum
25% of the pot, capped at £268,275 — taking it reduces the income your pot can provide
Where the pot comes from
Income estimates use the 4% rule — a rough rule of thumb, not a guarantee — and are shown before income tax. Figures are in future pounds: inflation will reduce their buying power. An annuity or drawdown product may pay more or less than this.
Guide & Information
Overview
Make informed financial decisions with our Retirement Calculator designed for United Kingdom residents.
💡 Tips
- •Compare different scenarios before deciding
- •Factor in all costs, not just the obvious ones
- •Review calculations periodically as rates change
Why Use This Retirement Calculator
Proper financial planning is crucial for achieving your long-term goals.
Regulations: Complies with current United Kingdom regulations.
- • Loan amount: £100,000
- • Interest rates vary by institution
- • Terms typically range from 12-360 months
Related Calculators
Frequently Asked Questions
How accurate is this Retirement Calculator?
Our calculator uses standard financial formulas and current market rates for United Kingdom to provide accurate estimates.
What factors affect my calculation?
Key factors include principal amount, interest rates, time period, and any specific regulations in United Kingdom.
Should I consult a financial advisor?
While this calculator provides accurate estimates, complex financial decisions benefit from professional advice.