Calculators
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Total savings if invested
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Total savings if left in cash
Investment Growth Calculator
Our interactive calculator allows you to visualise how your portfolio might evolve. Enter what you have invested today, include any contributions you make, and program the adjustable timeline. Historical asset class returns, sourced from the book above, provide insight into past performance. Standard investment disclaimers as shown below apply.
- 6%: Fixed Income Bonds & Gilts
- 9%: Global Developed World Equities
- 12%: Small-Cap and Value Equities
Matrix Book Return Data (1985 – 2023)
- Diversification – Spreading investments across asset classes can help manage risk
- Risk Tolerance – Higher returns come with increased volatility and price gyration
- Past Performance – While historical trends provide insights, future results may vary
Dynamic Pension Calculator
See how your investments could grow over time, factoring in contributions, timeframes, and expected returns — so you can plan with real numbers, not guesswork.
Learn how long your pension could last and see how contributions might impact your savings using our Pension Calculator. Get started by telling us some basic details.
How this calculator works
This tool projects your pension pot to your chosen retirement age, then shows how long it could provide your desired income.
- Current projection — your estimated pot at retirement, in today’s money, assuming 5% growth (with a 3%–8% range shown as the shaded band) after a 0.7% charge and 2.5% inflation.
- Your target — the pot we estimate you’d need to fund your desired annual income for life from retirement.
- Contributions — personal and employer payments receive a 25% basic-rate tax top-up. All contributions share the £60,000 annual allowance.
- 25% tax-free cash — you can take up to 25% of your pot tax-free from age 55 (57 from April 2028), capped at the £268,275 Lump Sum Allowance. Taking it reduces the pot left to provide income.
- State Pension — when included, the full new State Pension (£11,973 a year) is added from State Pension age.
Figures are illustrative only and not financial advice.
You’re on track to have £328,167 at retirement. If you take £26,000 per year, this will last until age 90.
This calculator is for illustration only and does not constitute financial advice or a guarantee of future results. Projections assume personal and employer contributions receive basic-rate tax relief, investment growth within a low-to-high range each year after charges, and figures expressed in today’s money allowing for inflation. The full new State Pension (£11,973 a year, 2025/26) is included from State Pension age where selected. The value of investments can fall as well as rise and you may get back less than you invest. Capital at risk. Wilcocks & Wilcocks is a trading style of Wilcocks & Associates Ltd, authorised and regulated by the Financial Conduct Authority.
Retirement Income Calculator
Work out how much income your pension and investments could realistically generate in retirement, helping you spot any gaps early and plan to close them.
Retirement planner Step 1 of 3
Your details
Date of birth
Gender
Your gender will only be used to estimate your life expectancy and will not have any bearing on any other amounts displayed.
Your pensions
Current salary
Your salary will be used to calculate your pension contributions and for estimating the target income in your retirement.
Your personal pensions
Pension Value
Other pensions
Final salary pension
This is a pension scheme where the members are entitled to a certain level of pension benefit, defined by a formula using length of service and salary (also known as a defined benefit scheme).
If you have a final salary pension, please tell us the annual income you expect to receive. If you don’t have one, you can leave this section blank.
State Pension
We can include the flat-rate state pension in your summary. This is based on a weekly figure of £241.30.
Possible outcomes
Your estimated pension pot is £743,000
These results are estimates only, making assumptions from the information you’ve given us. You can check and change these assumptions using the form fields below.
ⓘ Income drawdown
Income drawdown allows you to take some money from your pension while leaving the rest invested. Below we’ve estimated your target income before tax. We’ve included any final salary pension you’ve told us about and State Pension if you’ve asked us to.
All figures shown include an assumed charge of 0.75%, an assumed growth rate for the funds that remain invested of 2.4% (medium growth), adjusted to account for 2% inflation. Inflation could be higher or lower than this; consider checking your pension statement.
Annual income
Use the panel below to change our assumptions and plan your retirement
Income drawdown
Wilcocks & Wilcocks can help you set up Income Drawdown. Speak to us to learn more.
Things to consider
Consolidate your pensions
If you have more than one pension, you could bring them together in one. There are risks involved and you may need advice for which you will be charged.
Explore pension transfers ›Mix and match your options
We can help you get retirement ready and understand the different ways you can turn your pension into money you can use.
More on your income options ›Get retirement advice
Whether you’re saving for the future or considering your options at retirement, our advice team can help.
Speak to our advisers ›Talk it through with an adviser
Book a free, no-obligation call with a Wilcocks & Wilcocks retirement specialist to walk through your plan and your options.
Choose a time
What we’ll cover
- How your estimated pot could turn into retirement income
- Drawdown vs annuity vs lump sum for your situation
- Combining old pensions and reducing charges
- Your questions — no obligation, no pressure
Your call is booked
We’ll call you at 9:30am. A confirmation has been sent to your email.