Pension calculator (UK)

Como usar a Pension calculator (UK)

O que calcula e quando usar

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

Como usar, passo a passo

1. Choose a pot you build up ou a final-salary scheme.
2. For a pot, enter your salary, Idade, Aposentadoria Idade, Corrente pot, contributions, growth, charges, Pagamento rises e inflation.
3. For final salary, enter your salary, anos em the scheme e the accrual Taxa.

O que significa cada campo

• Você paga pol. e employer paga a in – Percentages de pay. UK auto-enrolment minimum é 8% em total.
• Charges – Anual fund e platform charges, taken from grow.ª.
• Accrual Taxa – The fraction de salary earned as pension por each year de service.

Como ler os resultados

• Pot A Aposentadoria – Projected pot e its value em today’s money.
• Tax-free lump Soma – Up a 25% de the pot.
• Pension Por Ano – For final salary: salary × Anos ÷ accrual denominator.

A fórmula

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

Um exemplo prático

A 40,000 salary A Idade 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 é about 390,386, ou 177,146 in today’s money, with a tax-free lump sum up a 97,596.

Premissas e limites

• Constant returns e Pagamento rises.
• Imposto relief e qualquer salary sacrifice are not modelled; contributions are taken as stated.
• The 25% tax-free limit é capped at 268,275 por most Pessoas.

Erros comuns

• Forgetting that pension income é taxable.
• Ignoring charges, which compound excedido decades.

Perguntas frequentes

Dated rules: UK tax year 2026 para 2027 (6 April 2026 para 5 April 2027), de GOV.UK. Rates e thresholds Variação Cada Ano, so check GOV.UK antes relying on a figure.

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