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๐Ÿ‡ฌ๐Ÿ‡ง UK 2025/26

Will you have enough
to retire?

Project your pension pot, inflation-adjusted income, and find out if you're on track โ€” using 2025/26 figures.

Your Details
State pension age is currently 66, rising to 67 by 2028
ยฃ
ยฃ
Used to calculate if contributions are on track
ยฃ
Auto-enrolment minimum: 5% of qualifying earnings
ยฃ
Minimum employer contribution: 3% of qualifying earnings
Growth & Inflation
5.0%
Historic average: ~5โ€“7% for a balanced fund
3.5%
UK CPI long-run avg ~2โ€“3%; Bank of England target 2%
ยฃ2,500
PLSA recommends ยฃ14,400/yr (min) to ยฃ43,100/yr (comfortable) for a single person
State Pension
Include New State Pension
ยฃ221.20/week ยท ยฃ11,502.40/year ยท ยฃ958.53/month (2025/26)
โœ… On Track

Projected income vs target 0%
Projected Pot at Retirement
โ€”
Nominal value
Pot in Today's Money
โ€”
Inflation-adjusted real value
Monthly Income (4% rule)
โ€”
From private pension only
Pot Will Last
โ€”
Assumes 0% real growth in drawdown
Monthly Income โ€” With & Without State Pension
Without State Pension
Private pension (4%) โ€”
State pension ยฃ0
Total / month โ€”
Total / year โ€”
With State Pension
Private pension (4%) โ€”
State pension ยฃ958.53
Total / month โ€”
Total / year โ€”
Year-by-Year Projection (every 5 years)
Age Pot (Nominal) Pot (Real) Total Contributions
Important: This calculator is for illustrative purposes only and does not constitute financial advice. Figures are projections based on assumed rates and may differ significantly from actual outcomes. State pension entitlement depends on your National Insurance record โ€” check yours at gov.uk/check-state-pension. The new full State Pension is ยฃ221.20/week (ยฃ11,502.40/year) for 2025/26. The 4% drawdown rule is a widely-used guideline, not a guarantee. Consider speaking to a regulated financial adviser (find one at unbiased.co.uk).
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