Pension 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.

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.