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Explore Your Financial Future
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Investment Growth Calculator
Our interactive calculator allows you to visualise how your portfolio might evolve over time. Enter the amount you have invested today, add any ongoing contributions and adjust the timeline to explore different scenarios. Historical asset-class returns, sourced from Dimensional data, illustrate how different investment asset classes have performed over time. Past performance is not a reliable indicator of future results. Investment values can fall as well as rise, and you may get back less than you invest
- 6%: Fixed Income Bonds & Gilts
- 9%: Global Developed World Equities
- 12%: Small-Cap and Value Equities
Matrix Book Data (1985 – 2025)
- 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
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Total savings if invested
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Total savings if left in cash
Dynamic Pension Calculator
Explore how your pension could evolve over time by adjusting contributions, timeframes and assumed returns — helping you understand what different scenarios could mean for your retirement
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.
Important information
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
See how much guaranteed income your pension could provide in retirement, based on your circumstances and the annuity options you choose
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.
The new State Pension is the flat-rate pension paid by the government once you reach State Pension age. The figure used here is £241.30 a week, which is about £12,548 a year.
You need around 35 qualifying years of National Insurance contributions or credits to receive the full amount, and at least 10 qualifying years to receive anything at all. If your record is shorter, you’ll receive a proportion of it.
It is paid from State Pension age, not from the retirement age you choose above — so if you retire earlier, there will be a gap your private pensions need to cover.
Ticking the box below assumes you’ll qualify for the full amount. You can check your own forecast at gov.uk, and an adviser can confirm how it fits your plan.
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.
All figures shown are before tax. They include an assumed charge of 0.75% and are adjusted for 2% inflation, so they are in today’s money. Based on your date of birth, your State Pension starts at age 67, which may be later than the retirement age you chose. Inflation and growth could be higher or lower; consider checking your pension statement.
Annual income
Use the panel below to change our assumptions and plan your retirement
Retirement age. The age you tell us you plan to stop working. Everything is projected up to that age, so moving it changes your pot significantly. This is not the same as State Pension age.
Monthly contributions. The combined amount you and your employer pay in each month, before tax relief. We add basic-rate tax relief on top of personal contributions.
Estimated growth. Low, Medium or High assumes your funds grow at 3%, 5% or 7% a year before charges. We then deduct an assumed 0.75% annual charge and adjust for 2% inflation, so every figure is shown in today’s money.
Target retirement income. The yearly income before tax you’d like in retirement. We include any final salary pension and the State Pension if you’ve asked us to, then show what your pot needs to provide on top.
Tax-free lump sum. Normally up to 25% of your pot can be taken tax free, subject to the lump sum allowance. The rest is taxed as income when you take it.
These are illustrations, not advice or a guarantee. Investment values can fall as well as rise and you may get back less than you invest. Your actual charges, growth and tax position will differ — an adviser can model your own circumstances.
Take your results with you
We’ll prepare a PDF of your projection — your figures, the assumptions behind them, and what your options look like at retirement — so you can keep it, compare it, or bring it to a conversation with an adviser.
Your results are downloaded
A projection is a starting point, not a plan. A short, no-obligation call will tell you whether you’re on track — and what to change if you’re not.