Disclaimer: This calculator is for informational and illustrative purposes only and should not be considered financial advice. Pension projections are estimates based on the parameters you provide and do not guarantee future performance. Investment returns can vary significantly, and past performance is not indicative of future results. Tax rules and allowances may change. Please consult with a qualified financial adviser or pension specialist for advice tailored to your specific circumstances.
SIPP Pension Planner (UK)
Calculate and project your pension growth with compound returns and real terms value adjusted for inflation
UK SIPP Pension Projection Calculator
Plan your retirement with our comprehensive SIPP (Self-Invested Personal Pension) projection calculator. This tool calculates the compound growth of your pension pot over time, showing both nominal values and real terms purchasing power adjusted for inflation. Input your current pension value, regular contributions, expected investment returns, and inflation assumptions to project your pension at retirement age.
The calculator shows you year-by-year projections, total investment growth, and calculates your potential tax-free lump sum (up to 25% under current UK rules) along with the remaining pension pot available for drawdown or annuity purchase. Perfect for retirement planning, comparing contribution strategies, and understanding the impact of inflation on long-term pension savings.
Note: If you sign in or register, your calculator parameters will be automatically saved and restored when you return.
Key Features:
- Compound Interest Calculations: See how your pension grows with compound returns over time
- Real Terms Adjustment: Understand purchasing power by viewing values adjusted for inflation
- Flexible Contributions: Model monthly or annual pension contributions
- Tax-Free Lump Sum: Calculate your potential tax-free cash withdrawal at retirement
- Year-by-Year Breakdown: Detailed projection table showing growth at each age
- Investment Scenarios: Compare different return and inflation assumptions
Important Considerations:
- UK SIPP pensions typically cannot be accessed before age 55 (rising to 57 from 2028)
- The annual allowance for pension contributions is £60,000 (as of 2025/26 tax year)
- Tax-free lump sum is typically limited to 25% of the pension value
- Investment returns are not guaranteed and can fluctuate significantly
- Inflation rates affect the real purchasing power of your pension
- This calculator does not account for fees, charges, or tax on pension income beyond the lump sum