Find your ideal contribution, maximise salary sacrifice, and see your pot grow.
We'll calculate the most tax-efficient way to contribute to your pension based on your situation.
What your employer currently contributes.
The new contribution level you're considering.
Salary sacrifice is more tax-efficient — you save income tax and NI. If unsure, check with your HR or payroll team.
Used for the growth projection. Leave blank to start from £0.
Based on what you've told us, here's what we'd suggest — and why. Adjust it below to see how different contribution levels affect your take-home.
Based on your target contribution, here's an estimate of your pot at retirement.
Typical range 4–7% for a balanced fund.
Used to inflate contributions over time.
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.
Make sure your contributions stay within HMRC's limits — breaching them triggers a tax charge.
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.
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.