My Pension Optimiser
Not financial advice
Built for UK employees

Pay less tax,
keep more pension.

See exactly what to contribute, how much tax you save, and what your pot could be worth at retirement.

Start here — the calculator is free
Free, no signup Nothing stored 2025/26 rates
PROJECTED POT £412,800 Now Age 67
2min
To your answer
40%
Typical relief
£0
To use
4
Simple steps
1Your Pay
2Recommendation
3Projection
4Allowance
👤
Your Details
£
5.0%
35
📝
Custom Tax Code
👇
Minimum Take-Home Floor
🎯
What's your goal?

Pick anything that applies. We'll suggest the right contribution level.

💡
Our Suggestion
Increase your contribution to
5%
📄 Download PDF report £4.99
from your current 5%
🔄
Why we suggest this
Adjust the slider above to see how each level affects your pay.
📋
How It Affects Your Pay
Monthly breakdown
Now Suggested
📈
Retirement Projection (Age 67)
Current Path
£0
Optimised Path
£0
Adjust the slider to see your future pot
Assumes 5% annual growth, 3.5% salary growth.
📂
Starting Position
📅 Retirement Age ?
67
32 years until retirement
💳
Current Pension Pot
💵
One-off Lump Sum
⚙️
Adjust Assumptions
📊 Final Pot at 67
£0
Estimated Pension Pot
📈
Pension Pot Growth

Tap or drag across the chart to explore

Current (5%)
Optimised (5%)
📊
Annual Snapshots
🧑
Where You Stand at 67
Current Path
£0/yr
Pension: £0
State: £11,973
Optimised Path
£0/yr
Pension: £0
State: £11,973
PLSA Retirement Living Standards
Minimum
£14,400/yr
× ×
Moderate
£31,300/yr
× ×
Comfortable
£43,100/yr
× ×

Based on retiring at age 67, 4% annual drawdown + full State Pension (£11,973/yr). PLSA standards for a single person outside London (2024). Learn more about PLSA standards

A word of honesty

These projections are illustrative only. Actual returns will vary. They do not account for charges, inflation, or changes in contribution rates. A financial adviser can model personalised scenarios.

One last check — are you within the limits?

The government lets you save up to £60,000 a year into your pension tax-free. You're almost certainly well within this — but it's worth confirming.


Carry forward

If you've been a pension scheme member for the past three years, you may be able to carry forward unused annual allowance from those years — potentially allowing contributions well above £60,000 in a single year. This requires specialist advice to use correctly.

Money Purchase Annual Allowance (MPAA)

If you've already started drawing flexibly from a defined contribution pension, your annual allowance may be reduced to just £10,000. This does not apply if you haven't yet accessed your pension.

📄 Download your personalised PDF report A branded summary of your results to take to an adviser or share with a partner.
£4.99
Buy report →
Ask MyPayPicture Assistant
MyPayPicture Assistant
General information only · Not financial advice
What contribution rate should I aim for?
Is salary sacrifice always better?
How does this affect my take-home?
What is the annual allowance?