Pension & SIPP Growth
Project your pension fund value at retirement, including tax-relieved contributions and investment growth.
Years to retirement
30 yrs
Total contributions
£192,000
Investment growth
£241,743
Projected fund
£433,743
Inflation-adjusted value
£206,784
Today's purchasing power in 30 years
Illustrative annual income (4% rule)
£17,350
£1,446/month before tax
Fund growth over time
Pension contributions receive tax relief, so £100 contributed by a basic-rate taxpayer costs £80 from take-home pay. The 4% withdrawal rule is a common guideline, not a guarantee — actual sustainable withdrawal rates depend on market conditions and retirement length. You cannot normally access pension savings before age 55 (rising to 57 in 2028). Tax rules and allowances may change.
Assumptions
Based on 2026/27 UK tax rules for England. Tax bands: 20% to £50,270, 40% to £125,140, 45% above. Personal Allowance £12,570 (tapered above £100,000). National Insurance 8% on earnings between £12,570 and £50,270, 2% above. This is an educational estimate — not financial advice.