Hundred SummersPension projection calculator: with the two numbers others hide
Your pot at retirement, compounded with contributions and growth net of charges, plus the two figures most projections skip: what that pot is worth in today's money, and what your fees cost against a zero-fee world. Your figures never leave your browser.
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Worked example
Computed when this page was built by the same engine that runs the calculator above, so the figures below and the live tool can never disagree. Change any input above to see your own.
| Inputs | |
|---|---|
| Age now / retire at | 40 / 67 |
| Pot today | £80,000 |
| You pay a month | £300 |
| Employer pays a month | £200 |
| Growth / charges / inflation | 5.0% / 0.5% / 2.5% |
| Results | |
|---|---|
| Pot at 67 | £566,829 |
| In today's money | £291,010 |
| Contributions over the years | £162,000 |
| Cost of the 0.5% charge | £59,862 |
The next question
When could I stop work? →When can I retire?
Or answer it with everything else: the full Hundred Summers plan connects your pay, pensions, savings, property, tax and spending year by year, and stress-tests them across 500 simulated market histories.
Read the guides
- Pension charges: what you actually pay, and what it costs you →The layers of a UK pension charge (provider, fund OCF, transaction costs, adviser) the 0.75% auto-enrolment cap and the 1.5%/1% stakeholder cap, what 0.8 percentage points does to a pot over 25 years, and the guarantees worth more than the saving before you move an expensive old pension.
- How much do I need to retire in the UK? Solved, not guessed →Why 25× spending, £500k-for-everyone and half-your-age rules all miss, what actually moves the number (tax, the State Pension, your dates), and how a real projection solves it.
The two honest adjustments
Inflation: a £500,000 pot in 27 years buys what about £256,000 buys today at 2.5% inflation; headline nominal figures flatter every projection, so this page shows both. Charges: growth compounds net of fees, and the difference compounds too: around 1% a year costs roughly a quarter of the final pot over 30 years, which is why the fee line here is computed rather than footnoted.
A pot is a means, not an end: the how-much-to-retire calculator says what pot you actually need, the drawdown calculator says how long one lasts, and the full Hundred Summers plan joins them with tax, the State Pension and your whole picture, then stress-tests the result.