The values shown are illustrative estimates only and are not guaranteed. They should not be relied upon as financial advice or as the basis for investment decisions. Your actual pension value will depend on factors such as your chosen investments, market performance, charges, contributions, and other relevant variables, and may be higher or lower than the projected amounts.
Choose Your Planning Approach
Pick how you'd like to plan. Your selection tailors the tabs and inputs that follow to match that journey.
Your Viewpoint
Set your starting figures below — your initial investment, monthly contributions, expected annual growth rate, and time horizon. Your live forecast updates instantly, showing your projected future value, how much you'll contribute, and how much is pure investment growth.
Your Investments
Add each pot you hold — each can grow at its own rate.
Increase contributions over time
Add stepped changes to your monthly contributions
Future Value
£257,955
Total Contributed
£124,000
Interest Earned
£133,955
Contributions vs Interest Earned
This bar shows the split between money you've put in and the growth your investments have generated. A larger interest share means compounding is doing more of the heavy lifting.
Balance breakdown
108% return on contributions
Growth Over Time
Watch your investment compound year by year. The chart shows your total value alongside the portion made up of your contributions, so you can see exactly when growth starts to accelerate. Below it, a detailed table breaks down every year of your forecast.
Growth Over Time
Year-by-Year Breakdown
| Year | Contributions | Interest Earned | Total Value |
|---|---|---|---|
| Year 1 | £16,000 | £785 | £16,785 |
| Year 2 | £22,000 | £1,203 | £23,988 |
| Year 3 | £28,000 | £1,647 | £31,635 |
| Year 4 | £34,000 | £2,119 | £39,754 |
| Year 5 | £40,000 | £2,620 | £48,374 |
Reaching Your Goal
Set a target future value and this tool works backwards to show exactly what you'd need to change to hit it — adjust just one variable at a time (time, growth rate, monthly contributions, or a one-off lump sum) while the rest stay the same.
Variables Required to Meet Your Goal
Adjust one variable at a time — all others stay the same
Your current projections already meet or exceed your goal of £0. Current projected value: £257,955.
Income Sustainability
Model how long your pot will last once you start drawing an income. Enter how much you'd withdraw each year and the growth you expect while drawing down — the tool shows the year your fund would be depleted and a full year-by-year breakdown.
Investment Income Sustainability
Draw a sustainable income from your pots, drawn in the order you choose.
Total Pot at Retirement
£257,955
1 pot
Drawdown starts at this age.
Other income sources
Add state pension or guaranteed income that kicks in at a certain age. These reduce the amount drawn from your pots.
State Pension
Guaranteed Income
Step income at certain ages
Add stepped changes to your required annual income
Specify income from each investment
Choose whether to set one overall income (drawn in order) or specify how much to take from each investment individually.
Take pension tax-free cash as a one-off
Crystallise up to 25% of your pension as a tax-free lump sum, paid in a single year in addition to your annual income.
One-off lump sum withdrawals
Add named one-off cash withdrawals from your pension in specific years, on top of your annual income.
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Drawdown access order
Your income is drawn from these pots in order — drag to rearrange. The pension can't be accessed before age 57; other pots are available earlier.
Pension
Pension · accessible from age 57
£257,955
Sustainability Results
How long your pots last and whether your target income is sustainable.
These results are taken from the Sensitivity Analysis tab and show how your drawdown performs under different growth assumptions. Scroll left for low growth and right for high growth — each shows its own sustainability outcome. Actual results may vary from these projections.
Low Growth
Growth −3%
Pot at retirement
£182,359
Likelihood of sustaining income
Low
Your savings are projected to run out at age 90, meaning your target income cannot be sustained beyond this point. With a typical life expectancy of 95, your retirement income is not sustainable throughout retirement. Consider building more non-pension savings, delaying retirement, or reducing your target income.
This Scenario
£182,359
Total pot
Pot lasts
26 yearsShortfall in 26 yrs
Drawdown Over Time
Bars show income drawn from each investment (coloured per pot); the line tracks your remaining total pot value.
Base Case
Your current rate
Pot at retirement
£257,955
Likelihood of sustaining income
High
Your pots are projected to sustain your required income to age 95 and beyond, indicating a high likelihood that your retirement income is sustainable throughout a typical retirement to age 95.
This Scenario
£257,955
Total pot
Pot lasts
Indefinite
Drawdown Over Time
Bars show income drawn from each investment (coloured per pot); the line tracks your remaining total pot value.
High Growth
Growth +3%
Pot at retirement
£394,035
Likelihood of sustaining income
High
Your pots are projected to sustain your required income to age 95 and beyond, indicating a high likelihood that your retirement income is sustainable throughout a typical retirement to age 95.
This Scenario
£394,035
Total pot
Pot lasts
Indefinite
Drawdown Over Time
Bars show income drawn from each investment (coloured per pot); the line tracks your remaining total pot value.
Sensitivity Analysis
See how your projected pot at retirement changes if the annual growth rate is ±1%, ±2%, or ±3% different from your current assumption of 6.00%. This stress-tests your plan against better or worse market conditions.
High Growth (+3%)
£394,035
Base case (6.00%)
£264,122
Low Growth (−3%)
£182,359
Range across scenarios: £211,676 — the difference a 6 percentage point swing in growth can make to your projected pot.
Monte Carlo Simulation
500 simulated trials with each year's growth drawn randomly around your assumptions (±8% standard deviation). Shaded bands show the 10th–90th and 25th–75th percentile ranges; the gold line is the median outcome.
10th percentile
£195,938
Median (50th)
£262,407
90th percentile
£367,782
| Growth rate | Projected pot | Total contributed | Interest earned | vs base |
|---|---|---|---|---|
| 3.00% (−3%) | £182,359 | £130,000 | £52,359 | −£81,763 |
| 4.00% (−2%) | £205,613 | £130,000 | £75,613 | −£58,509 |
| 5.00% (−1%) | £232,643 | £130,000 | £102,643 | −£31,479 |
| 6.00% (base) | £264,122 | £130,000 | £134,122 | — |
| 7.00% (+1%) | £300,851 | £130,000 | £170,851 | +£36,729 |
| 8.00% (+2%) | £343,778 | £130,000 | £213,778 | +£79,656 |
| 9.00% (+3%) | £394,035 | £130,000 | £264,035 | +£129,913 |
Download Report
Generate a personalised PDF forecast report. It summarises your inputs, projects your future value, shows what you'd need to reach your goal, analyses your income sustainability in drawdown, and includes tailored planning advice — perfect for keeping or sharing with a financial adviser.
Your inputs from the previous tabs are included automatically — no need to re-enter them here.
Future Value
£257,955
Target Goal
£0
Required Income
£25,000
Growth Rate
6.00%
Complete this step to unlock the next part of your plan.
This calculator assumes monthly compounding with contributions made at the end of each month. For illustrative purposes only — past performance is not a reliable indicator of future results.