UK Pension & Investment Calculator
Compare investment strategies to find the most tax-efficient way to save.
Your Details & Goals
Current Age
Starting Annual Salary (£)
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Starting Investment Pot (£)
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Retirement Age
Desired Annual Retirement Income (£)
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Student Loan Plan
None
Plan 1
Plan 2
Plan 5
Postgraduate Loan
None
Postgraduate Loan
Contribution & Investment Strategy
Your Monthly Savings Rate (%)
10%
Employer Pension Match (%)
Pension Contribution Method
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Relief at Source
Salary Sacrifice
Investment Profile
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Balanced Profile (Default)
Adventurous Profile (100% Stocks)
Cautious Profile (60% Stocks)
Economic & Display Options
Annual Salary Growth Rate (%)
Annual Inflation Rate (%)
Adjust All Results for Inflation
Include State Pension in Projections
Show Volatility Range on Growth Chart
Run Full Monte Carlo Simulation
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Advanced Scenarios (Optional)
Include Buy-to-Let Scenario Comparison
Include Lifetime ISA (LISA) Scenario
Include Gold Bullion Scenario
Include Premium Bonds Scenario
Number of Existing Properties
Value of New Properties (£)
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Deposit Required (%)
Annual House Price Growth (%)
Calculate
Reset
Calculation Assumptions
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Results
Dashboard
Growth Chart
Breakdowns
Drawdown
BTL Assumptions
How BTL is Calculated (Example)
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Drawdown Simulation (Pension Pot)
Drawdown Strategy
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Take 25% Tax-Free Cash, then Drawdown
UFPLS (Uncrystallised Funds Pension Lump Sum)
Drawdown Simulation (100% Bonds)