What return should I assume?

Long-run equity returns are often modelled at 6–8% nominal. Balanced portfolios sit lower. Adjust to match your actual asset mix and be conservative.

Does this include inflation?

No — the balance shown is in today's pounds but grown at a nominal rate. To see real growth, subtract expected inflation from the return before entering it.

Are employer contributions included?

Only if you add them into the monthly contribution figure. Include everything going into the pot — yours plus employer match.

Retirement Calculator

Estimate the value of your retirement pot at your target retirement age.

Your details

Current age

Retirement age

Current savings

Monthly contribution

Expected annual return

Projected balance at retirement

£1,130,650

in 35 years

Total contributions

£230,000

Investment growth

£900,650

Balance by age

How this is calculated

This projection compounds monthly contributions at your assumed annual return until your target retirement age. Growth is nominal — not adjusted for inflation.

A common rule of thumb is a 4% withdrawal rate in retirement, so a final pot of £X supports roughly £X × 0.04 of annual income at the start.