Pension forecast
Nominal pot compared with an inflation-adjusted estimate.
Nominal potToday's moneyPaid in
Pension Forecast Calculator
Project a pension pot from current age to retirement with salary, contributions, growth, and inflation.
Projected pot£663,333At age 67
Today's money£324,145Inflation-adjusted estimate
Annual contribution now£5,500
Forecast detail
Years to retirement29
Total contributions£230,210
Estimated investment growth£388,124
Final modelled salary£112,552
Assumptions
Calculation notes
- This is a simplified pension projection and does not model tax relief method, annual allowance tapering, fees, risk, state pension, or drawdown tax.
- The inflation-adjusted figure discounts the projected pot by the selected inflation rate.
- This is not pension advice.
Projection basis
What drives the pension forecast
Long-range pension projections are most useful when the contribution, growth and fee assumptions are visible.
Projection engine
The forecast compounds existing pension value and future contributions over the selected period using the entered growth and fee assumptions.
It separates employee, employer and salary-sacrifice style assumptions where those inputs are available so the user can compare contribution scenarios.
Compounding pathopening pension pot + recurring contributions, grown by the chosen annual rate and reduced by fees -> projected pension value
Contribution scenario
Example: changing future contributions
- Current pension pot: entered by user
- Monthly contribution: entered by user
- Annual growth and fees: selected assumptions
Result: Higher contributions and longer time horizons usually change the outcome more than short-term market movement assumptions.
Use the projection to compare scenarios, not to predict a guaranteed retirement value.
Reading the forecast
- Small annual growth or fee differences compound over long periods.
- The result does not include future tax law changes, pension-access rules, investment volatility or employer scheme rules.
Content reviewed: 7 September 2026.
Guide
Pension Forecast Calculator notes
Estimate retirement-pot growth from employee and employer contributions, salary growth, investment return, and inflation.
FAQs
Pension Forecast Calculator FAQs
What is the Pension Forecast Calculator for?
Estimate retirement-pot growth from employee and employer contributions, salary growth, investment return, and inflation.