Project your pension pot at retirement, estimate monthly income, and see whether you're on track — or how much to increase contributions.
This tool projects your pension pot at retirement by compounding your existing pot and total monthly contributions (yours plus employer's) at your expected annual growth rate. It then estimates monthly income using the widely-cited 4% safe withdrawal rule — drawing 4% of your pot per year — combined with your state pension to show total income.
The UK full new State Pension in 2025/26 is around £221 per week (approximately £958/month). You need 35 qualifying National Insurance years to receive the full amount. You can check your forecast at gov.uk/check-state-pension.
Note: this calculator does not account for inflation, tax-free cash lump sums, annuity rates, or pension lifetime allowances. It is for indicative planning only — speak to a regulated financial adviser for personalised advice.