Pension calculator (UK)

Pension calculator (UK)の使い方

何を計算するか、いつ使うか

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

使い方の手順

1. Choose a pot you build upまたはa final-salary scheme.
2. For a pot、enter your salary, 年齢, 退職・老後 年齢, 電流 pot, contributions, growth, charges, 給与 rises、inflation.
3. For final salary、the schemeのenter your salary,年、the accrual 利率.

各入力項目の意味

• お支払い額インチとemployer → in – pay. UK auto-enrolment minimum Percentagesはtotal.の8%です
• Charges – 毎年 fundとplatform charges, taken from grow乗.
• Accrual 利率 – salary earned as pension The fraction個でservice. each year

結果の読み方

• Pot 適用 退職・老後 – Projected potとtoday’s money.のits value
• Tax-free lump 合計 – the pot.のUp〜25%
• Pension 単位 年 – For final salary: salary × 年数 ÷ accrual denominator.

計算式

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

計算例

A 40,000 salary 適用 年齢 35、retiring 適用 67, 5% employee plus 3% employer, 20,000 pot, 5% growth less 0.5% charges、2.5% pay rises. The potはabout 390,386,または177,146 in today’s money, with a tax-free lump sum up〜97,596.です

前提と限界

• Constant returnsと給与 rises.
• 税額 reliefとany salary sacrifice are not modelled; contributions are taken as stated.
• The 25% tax-free limitはcapped at 268,275です個でmost 人数.

よくある間違い

• Forgetting that pension incomeはtaxable.です
• Ignoring charges, which compound over decades.

よくある質問

Dated rules: UK tax year 2026から2027（6 April 2026から5 April 2027）、開始 GOV.UK. Rates、thresholds 変動 1個あたり 年, so check GOV.UK before relying on a figure.

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