Free tool · 2026

UK Pension Calculator 2026

See how much your pension pot will be worth at retirement. Enter your age, salary, and contribution rate — Womho projects your pot at 55, 60, and 65 based on real UK pension rules.

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Free · 2 minutes to set up · No bank connection

How UK workplace pensions work

Since 2012, most UK employees are automatically enrolled into a workplace pension. Both you and your employer contribute a percentage of your qualifying earnings, and the government adds tax relief on top.

The minimum contributions under auto-enrolment are:

You (employee)
5% of qualifying earnings
Includes 1% tax relief from government
Your employer
3% of qualifying earnings
Many employers contribute more
Total
8% minimum
On earnings between £6,240 and £50,270

What could your pension be worth?

Assuming a 7% average annual growth rate (a standard projection used by pension providers), and contributing 8% of a £35,000 salary from age 22:

At 45
23 years of contributions + growth
£64,000
At 55
Earliest you can usually access your pension
£142,000
At 60
38 years of growth
£207,000
At 65
State pension age — comfortable retirement zone
£298,000
At 67
Current state pension age for most UK workers
£344,000

Figures are illustrative. Actual returns depend on fund performance, charges, and contribution history.

How to boost your pension

Small increases to your contribution rate make a huge difference over time due to compound growth. Here is what happens to a £35,000 salary pension if you increase your contribution:

Contribution: 5% (minimum)£298,000 at 65
Contribution: 8%£357,000 at 65
Contribution: 10%£418,000 at 65
Contribution: 15%£537,000 at 65

See your own pension projection

Tell Womho your age, salary, and contribution rate. We project your pension pot and show what you need to change to hit your retirement goal.

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