Pension Pot Growth Calculator

Project what your pension pot could be worth at retirement. Enter your current pot, monthly contributions and expected growth rate to see your projected pension value.

Current pension pot value (£) — enter 0 if starting fresh

Monthly contribution (£) — what goes in total including tax relief

Your current age

Target retirement age

Expected annual growth rate

Conservative (3%) Moderate (5%) Optimistic (7%)

Expected inflation rate (%) — to show real value in today's money

Pension Pot Projection

Years to retirement

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Total contributions

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Growth on contributions

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Projected pot at retirement—

In today's money (inflation adjusted)

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Age	Pot Value	Real Value

For guidance only. TheBizHQ.com is a private, independent website — not affiliated with HMRC, Companies House or any UK government body. All figures are estimates based on the information you enter and should not be relied upon for financial, tax or legal decisions. Tax rates are reviewed periodically but may not always reflect the latest HMRC changes. Full disclaimer →

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How pension pot projections work

This calculator uses compound growth to project your pension pot. Compound growth means your pot earns returns not just on your contributions but on all the growth already accumulated — this is why starting early makes such a dramatic difference.

Which growth rate should I use?

Conservative (3%) — appropriate for cautious investors or those close to retirement with a low-risk portfolio. Also reflects what you might expect after charges.
Moderate (5%) — a reasonable middle-ground assumption for a balanced portfolio over the long term.
Optimistic (7%) — reflects long-term equity market returns before charges. Appropriate for long time horizons with a growth-oriented strategy.

All projections are before charges. Annual management charges of 0.5-1.5% can significantly reduce your final pot — always check your pension provider's charges.

Why inflation adjustment matters

£500,000 in 30 years is worth considerably less in real terms than £500,000 today. The inflation-adjusted figure shows what your projected pot is worth in today's money, giving you a more realistic picture of your retirement purchasing power.

The power of starting early

A 25-year-old contributing £200 per month will typically accumulate a far larger pot than a 45-year-old contributing £400 per month — even though the older contributor pays in more. This is the power of compound growth over time.

What next?

Once you know your projected pot size, use our Retirement Income Calculator to see what annual income that pot could generate, and our Pension Drawdown Tax Calculator to understand the tax on withdrawals.