UK Pension Calculator

Your pension gets three tailwinds most savings don't: tax relief from HMRC, free money from your employer, and decades of compounding. See what they build together.

Your inputs

Annual salary

Your contribution % of salary — before tax relief

Employer contribution % of salary — free money

Expected annual return As a % — e.g. 6 for 6%

Years to retirement

Target pension pot

Annual salary

Employer contribution % of salary — stays fixed

Expected annual return As a % — e.g. 6 for 6%

Years to retirement

Projected pension pot

—

You + employer paid in

—

Tax relief from HMRC

—

20% basic-rate top-up

Investment growth

—

Pot growth over time

Pension pot Total paid in

Year-by-year breakdown

Year	Paid in	Growth	End balance

Educational purposes only — not financial advice. Projections are hypothetical and don't predict actual investment returns. Tax rules are those in force for 2026/27 and can change.