Pension calculator (UK)

Come usare il Pension calculator (UK)

Cosa calcola e quando usarlo

Estimates a UK workplace pension: either the pot you could build up with employee e employer contributions, o the annual pension from a final-salary scheme.

Come si usa, passo dopo passo

1. Choose a pot you build up o a final-salary scheme.
2. For a pot, enter your salary, Età, Pensione Età, Corrente pot, contributions, growth, charges, Paga rises e inflation.
3. For final salary, enter your salary, anni a the scheme e the accrual Tasso.

Cosa significa ogni dato

• Paghi pollici e employer paga in – Percentages di pay. UK auto-enrolment minimum è 8% a total.
• Charges – Annuale fund e platform charges, taken from growª.
• Accrual Tasso – The fraction di salary earned as pension per each year di service.

Come leggere i risultati

• Pot A Pensione – Projected pot e its value a today’s money.
• Tax-free lump Somma – Up a 25% di the pot.
• Pension per Anno – For final salary: salary × Anni ÷ accrual denominator.

La formula

Pot: each year balance = balance × (1 + growth − charges) + contributions × (1 + (growth − charges) ÷ 2). Final salary pension = final salary × anni di service ÷ accrual denominator.

Un esempio pratico

A 40,000 salary A Età 35, retiring A 67, 5% employee plus 3% employer, 20,000 pot, 5% growth less 0.5% charges e 2.5% pay rises. The pot è about 390,386, o 177,146 in today’s money, with a tax-free lump sum up a 97,596.

Ipotesi e limiti

• Constant returns e Paga rises.
• Imposta relief e qualsiasi salary sacrifice are not modelled; contributions are taken as stated.
• The 25% tax-free limit è capped at 268,275 per most Persone.

Errori comuni

• Forgetting that pension income è taxable.
• Ignoring charges, which compound superato decades.

Domande frequenti

Dated rules: UK tax year 2026 in 2027 (6 April 2026 in 5 April 2027), dalle GOV.UK. Rates e thresholds Variazione Ciascuno Anno, so check GOV.UK prima relying on a figure.

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