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Find Out How Much You Could Grow Your Retirement Pot With a SIPP

• Last Updated: 10 Nov 2025
• Fact Checked
Our team recently fact checked this article for accuracy. However, things do change, so please do your own research.

Writer

Katherine Read

Katherine Read

Financial Writer

Katherine Read Is a Financial Writer Known for Her Work on Financial Planning and Retirement Finance, Covering Equity Release, Lifetime Mortgages, Home Reversion, Retirement Planning, SIPPs, Pension Drawdown, and Interest-Only Mortgages.

Editor

Bert Hofhuis

Bert Hofhuis

Entrepreneur & Founder

Bert Hofhuis Is a Founder & Entrepreneur Simplifying the Complexities of Later Life Planning. He Navigates the Intricacies of Equity Release, Lifetime Mortgages, Reverse Mortgages, and Wealth Management With Clarity and Expertise.

Reviewer

Paul Derek Sawyer

Reviewed By: Paul Derek Sawyer

Paul Derek Sawyer

External Compliance Officer

Paul Is an External Compliance Expert and Director of Alpha Capital Compliance Limited, Known for Its Direct Approach to Financial Compliance.

Contributors:

Yes, Show Me My Free Estimate

See How Much Your Future Pension Income Could Be In Just 60 Seconds — No Fees, No Obligation.

How Much Could You Unlock?

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Trusted by Over 20,000 UK Homeowners!

Trusted by Over 20,000 UK Homeowners!

SIPPS - Calculator

Will Your Pension Provide Enough?

Retirement Pension Calculator

Simply enter your details to estimate your future pension income — it only takes 60 seconds.

Assumptions:

The calculator makes a projection into the future and assumes the following:

Your current pension and any future monthly contributions you make will be invested and grow each year by the growth rate that you select. Inflation will also increase by 2% each year. Please note that the investment growth rate could be higher or lower than the chosen value, and this could make a big difference to your eventual pot size.

Future monthly contributions include gross personal, gross employee and gross employer contributions and the level of these contributions will increase by 2% each year.

The pension is invested equally in both funds and shares. Fund investments have an Ongoing Charge Figure (OCF) of 0.22% applied.

The possible income is a gross annual amount and does not include the State Pension.

The level of income is based on drawing benefits from your pension pot at rates of 3.00% per annum if you retire before age 60, 3.25% per annum before age 65 and 3.50% per annum if you retire at age 65 or older. The actual withdrawal rate that you may be able to use in retirement could be very different and will depend on many different factors.

Simply enter your details to estimate your future pension income — it only takes 60 seconds.

• Step 1. Age
• Step 2. Growth
• Step 3. Pension
• Step 3. Details

Current Age *

Your age impacts the pension amount.

Retirement Age *

When do you want to retire?

If you are human, leave this field blank.

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Take control of your retirement planning—use our SIPP calculator to estimate your pension savings growth and future income potential.

With just a few details, get instant clarity on the impact of your contributions and investment choices.

Our SIPP calculator provides an instant estimate of your pension pot’s future value, based on your age, contributions, and investment growth.

Results give you a clearer idea of your retirement outcomes and empower better long-term financial planning.

Why Use a SIPP Calculator?

A SIPP calculator is a powerful tool for visualising your retirement savings trajectory and making informed decisions on your contributions, investments, and retirement plans. It helps you set achievable retirement goals and adapt strategies as needed.

What Is a SIPP and How Does It Work?

A SIPP is a type of UK pension plan that allows you to make tax-efficient contributions and control your investment choices. It’s valued for its flexibility—you can choose from a wider range of investment options than most standard pensions, including shares, funds, bonds, commercial property, and more.

You receive tax relief on contributions (subject to annual/pension limits), and once you reach pension age (currently 55, rising to 57), you can take 25% as a tax-free lump sum, with the remainder drawn as income or kept invested.​

How to Use the SIPP Calculator

Using our SIPP calculator is simple:

1. Enter your current SIPP balance (if any).
2. Input your regular or lump-sum contributions.
3. Select an assumed annual investment growth rate.
4. Choose your planned retirement age and years to invest.
5. The calculator will project your potential SIPP fund value, factoring in compounding investment growth and ongoing contributions.

You’ll see an estimate of your retirement savings, helping you plan your contributions with confidence.

What Do SIPP Calculations Show?

The calculator offers clear estimates of:

• Your total pension pot at retirement (based on chosen growth rates).
• The impact of tax relief on your contributions.
• How changes to contributions or growth can affect long-term outcomes.
• Potential monthly/annual income in retirement, based on various withdrawal scenarios.

All calculations are for guidance and do not guarantee outcomes—actual results depend on investment performance and changes to tax and pension rules.

Key Factors to Consider

When using a SIPP calculator, consider these core factors for accurate results:

• Your current age and planned retirement age: The longer you invest, the greater the likely impact of compounding growth.
• Contribution amount and frequency: Regular higher contributions grow your pot faster.
• Assumed investment growth rate: Use a conservative, realistic estimate.
• Current SIPP/Pension balance: All existing pension savings count.
• Tax relief: SIPP contributions typically receive 20% basic rate tax relief automatically; higher and additional rate relief may be claimed via self-assessment.
• Fees: Provider, platform, and fund management fees will reduce returns; advanced calculators may factor these into projections.

Advanced Features of SIPP Calculators

Top SIPP calculators include features such as:

• Flexible input options (monthly/annual, lump-sum, employer contributions).
• Adjustable retirement ages and one-off payments.
• Breakdowns with/without tax relief and fees for greater transparency.
• Scenario modelling (best/worst case, variable growth rates).
• Pension income drawdown simulations, including tax and inflation adjustments.
• Downloadable/printable summary reports for financial advice sessions.

Understanding SIPP Retirement Projections

Calculator estimates are based on various assumptions:

• Regular, sustained contributions over your chosen time horizon.
• Consistent investment returns, not accounting for volatility.
• No withdrawals or transfer-out before retirement.
• No legislative changes affecting SIPP rules, tax relief, or retirement ages.

Always consult a certified independent adviser before making major pension decisions.

Benefits of Using a SIPP Calculator

Using a SIPP calculator can help you:

• See how your savings will grow with different contributions and growth expectations.
• Plan effectively for the retirement you want.
• Compare different SIPP providers or investment strategies.
• Understand how potential changes (job status, lump sums, fees) shape your retirement outcome.
• Engage constructively with advisers.

Common Questions About SIPPs and the SIPP Calculator

Concluding Thoughts on Using a SIPP Calculator

A SIPP calculator is an fast, confidential starting point for your pension planning. By estimating how your SIPP could grow, these tools help turn retirement hopes into a practical, achievable plan. Results are for guidance only; always double-check your figures with a regulated adviser for the most suitable approach to your needs and circumstances.

We do our best to ensure all published information is accurate, but always check the details that matter to your personal situation. For advice tailored to your needs, seek regulated guidance before acting.

EveryInvestor.co.uk is an information portal and does not provide direct advice, quotes, or financial products. We help users connect with FCA-regulated advisers for direct and unbiased guidance on SIPPs, equity release, and retirement planning.