Pension calculator (UK)
Estimate a defined-contribution pension pot 和 income, 或 a final-salary pension from 年 service.
关于Pension calculator (UK)
Estimate a defined-contribution pension pot 和 income, 或 a final-salary pension from 年 service.
属于 SmartCalcy“退休”板块。它在你的浏览器中运行，无需账号，使用你自己的货币和单位（可在页面顶部更改），所给结果仅为估算、仅供参考，因此在依赖结果之前请查阅官方指引。
如何使用Pension calculator (UK)
它计算什么，何时使用
Estimates a UK workplace pension: either the pot you could build up with employee 和 employer contributions, 或 the annual pension from a final-salary scheme.
使用步骤
- Choose a pot you build up 或 a final-salary scheme.
- For a pot、enter your salary, 年龄, 退休 年龄, 电流 pot, contributions, growth, charges, 薪酬 rises、inflation.
- For final salary、the scheme 的 enter your salary, 年、the accrual 利率.
各输入项的含义
- 你需支付 英寸 和 employer 付给 in – Percentages pay. UK auto-enrolment minimum 是 total. 的 8%
- Charges – 每年 fund 和 第 platform charges, taken from grow 次.
- Accrual 利率 – The fraction salary earned as pension件each year service.
如何阅读结果
- Pot 以 退休 – Projected pot 和 today’s money. 的 its value
- Tax-free lump 总和 – the pot. 的 Up 至 25%
- Pension 每 年份 – For final salary: salary × 年数 ÷ accrual denominator.
公式
Pot: each year balance = balance × (1 + growth − charges) + contributions × (1 + (growth − charges) ÷ 2). Final salary pension = final salary × 年 service ÷ accrual denominator.
计算示例
A 40,000 salary 以 年龄 35、retiring 以 67, 5% employee plus 3% employer, 20,000 pot, 5% growth less 0.5% charges、2.5% pay rises. The pot 是 about 390,386, 或 177,146 in today’s money, with a tax-free lump sum up 至 97,596.
假设与局限
- Constant returns 和 薪酬 rises.
- 税款 relief 和 any salary sacrifice are not modelled; contributions are taken as stated.
- The 25% tax-free limit 是 capped at 268,275件most 人数.
常见错误
- Forgetting that pension income 是 taxable.
- Ignoring charges, which compound over decades.
常见问题
What 是 the 最小值 contribution?
qualifying earnings, including 以 least 3% 从 the employer. 的 Under UK auto-enrolment the total minimum 是 8%
What changes 从 April 2027?
The government has announced that most unused pension funds will 数量 towards the estate件inheritance tax from 6 April 2027. Check GOV.UK件the latest.
Dated rules: UK tax year 2026 兑 2027（6 April 2026 兑 5 April 2027）、从 GOV.UK. Rates、thresholds 变化 每件 年份, so check GOV.UK before relying on a figure.
相关工具
详情
- over the 的 有薪 年
- £174,081
- Tax-free lump 总和, up 至 25%
- £97,596
- Remaining pot
- £292,789
- Income 以 4% 从 the remaining pot
- £11,712a 年份, before 税款
- today’s money 的 Same,
- £5,314