Pension calculator (UK)

Как пользоваться: Pension calculator (UK)

Что считает и когда использовать

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

Как пользоваться, шаг за шагом

1. Choose a pot you build up или a final-salary scheme.
2. For a pot, enter your salary, Возраст, Пенсия Возраст, Сила тока pot, contributions, growth, charges, Оплата rises и inflation.
3. For final salary, enter your salary, лет в the scheme и the accrual Ставка.

Что означает каждое поле

• Вы платите дюйм. и employer платит in – Percentages pay. UK auto-enrolment minimum — 8% в total.
• Charges – Ежегодно fund и platform charges, taken from grow-й.
• Accrual Ставка – The fraction salary earned as pension за each year service.

Как читать результаты

• Pot По Пенсия – Projected pot и its value в today’s money.
• Tax-free lump Сумма – от Up до 25% от the pot.
• Pension За Год – For final salary: salary × Годы ÷ accrual denominator.

Формула

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

Пример расчёта

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

Допущения и ограничения

• Constant returns и Оплата rises.
• Налог relief и any salary sacrifice are not modelled; contributions are taken as stated.
• The 25% tax-free limit — capped at 268,275 за most Человек.

Частые ошибки

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

Частые вопросы

Dated rules: UK tax year 2026 в 2027 (6 April 2026 в 5 April 2027), С GOV.UK. Rates и thresholds Изменение За шт. Год, so check GOV.UK before relying on a figure.

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