Estimate the size of your pension pot at retirement from your current pot, your monthly contributions (including your employer's) and an expected growth rate. A simple way to see whether you are on track.
Your pension
£
£
%
yrs
Projected pension pot
£550,162
In 30 years
Total contributions£210,000
Investment growth£340,162
Projected pot£550,162
This projects your private/workplace pot only — not the State Pension or the income it will buy. Figures are in future money; use the Inflation calculator to see today’s-money terms.
In-content · ad space (placeholder)
Get a PDF of this pension calculator
Your results are right here on the page — free, no sign-up. Add your name and email and we’ll open a clean, printable PDF of this page (choose “Save as PDF”).
How your pension pot builds
A defined-contribution pension grows from three things: contributions you make, contributions your employer makes, and investment growth on the whole pot over time. Because of tax relief and employer matching, pensions are one of the most efficient ways to save for later life - and decades of compounding do the heavy lifting.
Automatic enrolment minimum is 8% of qualifying earnings (typically 5% you + 3% employer).
Basic-rate tax relief effectively tops up personal contributions; higher earners can claim more via self-assessment.
This calculator projects the pot only - not the income it will buy, which depends on later choices.
Worked example
Current pot 30,000; total contributions 500/month; 30 years to retirement at 5%.
Projected pot about 430,000 in future-money terms.
Use the inflation calculator to see that in today's money.
Content · ad space (placeholder)
Frequently asked questions
Does this include the State Pension?
No - it projects your private/workplace pension pot only. The State Pension is separate and depends on your National Insurance record; check your forecast on gov.uk.
What growth rate is reasonable?
Pension projections often use illustrative rates around 2-5% above or in line with inflation, depending on how your pot is invested. Lower rates as retirement nears, when many people reduce risk.
Report a bug or ask a question about this calculator
Important: BrickCrunch provides general information and estimates only — this is not financial, tax, mortgage or legal advice. Calculations are simplified and your circumstances may differ. UK tax and rate figures are checked against gov.uk (21 June 2026 (2026/27 tax year)) but rates change and errors are possible. Always confirm figures with gov.uk or a qualified professional before making decisions.
