YOUR PENSION, IN PERSPECTIVE
See what your pension could become
Bring your workplace pension and SIPP together. See the growth, and the tax relief along the way.
PROJECTED COMBINED POT
Your pension over time
WorkplaceOther potsSIPP
Calendar year end · Each bar is the accumulated pot at that point. The final bar stops at your projection date.
Tax relief paid into your pension is already included in the chart. It is not added to the pot a second time.
Defined benefits
Before tax · £ per monthNHSCivil ServiceState Pension
State Pension is shown alongside your workplace defined-benefit pensions. The chart initially selects an age when all added pensions are payable. Each bar shows one pension type’s average monthly income at the selected age (annual amount ÷ 12), assuming each pension starts at its entered payment age (or your projection age if left blank) and continues. Amounts are held constant, with no future increases or new service. Excludes withdrawals from workplace pots and SIPP. The growth buttons above affect invested pots only.
Cumulative tax savings
Calendar year end
Each bar shows cumulative Income Tax relief and employee National Insurance (NI) savings from today up to the end of that calendar year, or the projection end date for the final year. Move the slider to reveal the coloured bars up to a year; later bars stay grey. Each bar includes all preceding years; the detailed table below still uses UK tax years. The first and last years may be partial. These are contribution benefits, not a forecast of lifetime tax savings after withdrawals.
From 6 April 2029, salary sacrifice NI savings are modelled on the first £2,000 a year. Income Tax relief continues. Ordinary employer contributions are separate.
Your annual pension income
Contribution tax relief above covers only the invested workplace pension and SIPP inputs. It excludes any ongoing NHS or Civil Service contributions. Defined-benefit pension growth can use your annual allowance, so tax relief may be overstated if an allowance charge applies. NHS and Civil Service statement income and your State Pension estimate are shown separately from invested pots. Figures stay at the amounts you enter, with no future increases or new service assumed.
Year-by-year figures
| Tax year | Workplace + other | SIPP | Income Tax relief | NI saved | Total tax relief so far |
|---|
How this illustration works
Rates checked 27 October 2026. Uses 2026/27 Income Tax bands and standard employee NI rates, held constant into the future except for the announced April 2029 salary sacrifice change. It is an illustration, not a payroll calculation or personal financial advice.
Tax relief is measured against the same salary without these contributions. SIPP payments receive 20% relief at source; further relief depends on the income remaining in each tax band after workplace contributions. Higher-rate relief may require a claim to HMRC and is not automatically reinvested. Separate HMRC top-up payments for low earners in net pay schemes are not modelled.
Contributions and growth are spread through each tax year, with partial years prorated from today's date to the projection end date. Growth compounds monthly with month-end contributions (fractional months are interpolated). Salary, thresholds and contributions do not rise. Past pot estimates use today's salary, contribution rates and growth throughout the stated membership period; a real statement is preferable.
Supports employment income only, ages 18–74, projection up to 75. Standard personal allowance taper is included. Other income, benefits, student loans, employer NI sharing, salary sacrifice minimum-wage checks and retirement withdrawals are not modelled. NI assumes a standard employee and stops at the State Pension age you enter. Age-based dates assume your birthday is today; they are approximate. Pension access is subject to scheme rules; selecting an age does not make withdrawals available then.
The usual £60,000 annual allowance includes employer contributions and defined-benefit pension growth. This planner blocks DC contributions above that amount or employee contributions above relevant earnings; it does not calculate carry-forward, tapered allowances, the money purchase annual allowance or defined-benefit annual-allowance usage. Results are before any allowance tax charge. If these apply, the tax relief shown may be too high.
NHS and Civil Service defined-benefit pensions must be entered as annual income from a statement, with an optional payment age confirmed by the scheme. If that age is blank, the monthly chart and income totals use your projection age as a clearly marked assumption. This does not establish when a pension is payable or calculate early-retirement reductions. Membership years are a record, not a reconstruction of benefits. No McCloud remedy, early/late retirement adjustment, future service, revaluation, or lump sums are estimated. State Pension is included by default using the full 2026/27 new State Pension rate (£241.30 a week × 52). This is an editable assumption, not your personal entitlement or a forecast calculated from your NI record. You can switch it off. The rate is held constant into the future. Civil Service partnership is an invested pot and belongs in the workplace inputs.
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HMRC tax & NI rates · Pension tax relief · April 2029 change · NHS pensions · Civil Service pensions