Pension Calculator UK 2025

Calculate how much your pension pot could be worth at retirement and your estimated monthly income.

✓ Updated June 2025·✓ FCA regulated partners

🔢 Calculator

Calculate how much your pension pot could be worth at retirement and your estimated monthly income. Use the tool below for an instant estimate.

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Pension Calculator UK 2025

Calculate how much your pension pot could be worth at retirement and your estimated monthly income.

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Frequently Asked Questions

Yes, completely free with no sign-up required.
Results are estimates based on official 2025/26 UK tax rates and standard financial formulas. Always verify important decisions with a qualified adviser.
Key takeaways
  • Capture the full employer match before any other saving — free money first
  • Tax relief turns £80 into £100 (£60 for higher-rate payers) — the best mainstream tax break
  • Check ongoing charges — a 1% fee gap can consume a quarter of a lifetime pot
  • Check your State Pension forecast — voluntary years can return 30%+ annually for life

Insider Notes

Small fee differences compound into life-changing sums: a 1% fee gap can consume a quarter of a lifetime pot. Check the ongoing charge on every pot; switching platforms is easier than it looks.

Unclaimed employer match is a pay cut you volunteered for: contribute enough to capture the full match — an instant 100% return before growth — before any other investing.

Your NI record is editable: gaps from career breaks can often be filled — buying back years is frequently the best annuity money can buy. Ten minutes on GOV.UK now can be worth thousands in retirement.

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