Pension Projection Calculator
Use our pension projection calculator to see how much your
pension pot could be worth at retirement. Enter your current
pot, contributions and retirement age to get your projection.
Use this tool to check:
- See what your pension might be worth;
- When you'll be eligible for free bus travel
- Your Pension Credit qualifying age
- The State Pension age is regularly reviewed, so the results of this tool may change in the future.
Important notes:
- You can keep working after you reach State Pension age
- The State Pension age is regularly reviewed and may change in the future
- You need at least 10 years of National Insurance contributions to get any State Pension
- You need 35 qualifying years to get the full State Pension
You're on track to have £0 at retirement. If you take £0 per year, this will last until age 0.
Frequently Asked Questions
How does the pension projection calculator work?
Enter your current pension pot, monthly contributions from you and your employer, your current age and your target retirement age. The calculator projects your pot based on assumed growth rates and shows how long it will last.
How accurate is this pension projection?
This tool gives you a useful estimate based on the assumptions you enter. Because growth rates and contributions can change over time, treat the result as guidance rather than a guarantee.
What growth rate should I use?
Most financial planners use between 4% and 7% annual growth for a balanced investment portfolio. Lower rates are more cautious, higher rates more optimistic. The calculator uses a default assumption you can adjust.
Can I include my State Pension?
Yes — use the toggle at the bottom of the calculator to include the full new State Pension in your projection. For more information on when you’ll receive it, try our State Pension Age Calculator.