Calculate your pension
A two-step blueprint for building a brighter future
Step 1 - How much will your pension pots be worth in retirement?
Step 2 – Will it be enough to support the lifestyle you want to enjoy?
*Annual income figures taken from https://retirementlivingstandards.org.uk and adjusted for inflation.
Your pension income could be more or less than this and will depend on your investment performance and on the annuity rate at the time you retire.
The figure provided is an example only and not guaranteed – it isn’t a minimum or maximum amount. What you get back will depend on how your investment grows and on the tax treatment of the investment. You could get back more or less than this.
The value of an investment with St. James’s Place will be directly linked to the performance of the funds selected and may fall as well as rise. You may get back less than the amount invested.
This item is for guidance purposes only. It is not a projection and shouldn’t be treated as such.
The calculator and its outputs are for illustrative purposes only and haven’t been independently verified. SJP make no representations or warranties as to the accuracy, completeness or suitability of the results and accept no liability for any reliance placed on the information generated by this tool.
It is based on current understanding of legislation and HMRC practice. It does not constitute legal or taxation advice.
Stage one
How much could I have?
This section estimates the projected value of your pension at retirement based on existing pots, current and future contributions and a number of common assumptions.
- Inflation assumed at 2%
- Salary increase in line with inflation (2%)
- Investment growth of 4% (fees already deducted)
- Tax relief added onto contributions assumed at 20%
*Annual income figures taken from https://retirementlivingstandards.org.uk and adjusted for inflation.
Your pension income could be more or less than this and will depend on your investment performance and on the annuity rate at the time you retire.
The figure provided is an example only and not guaranteed – it isn’t a minimum or maximum amount. What you get back will depend on how your investment grows and on the tax treatment of the investment. You could get back more or less than this.
The value of an investment with St. James’s Place will be directly linked to the performance of the funds selected and may fall as well as rise. You may get back less than the amount invested.
This item is for guidance purposes only. It is not a projection and shouldn’t be treated as such.
The calculator and its outputs are for illustrative purposes only and haven’t been independently verified. SJP make no representations or warranties as to the accuracy, completeness or suitability of the results and accept no liability for any reliance placed on the information generated by this tool.
It is based on current understanding of legislation and HMRC practice. It does not constitute legal or taxation advice.
Stage one – How much will I have?
When were you born?
So we can calculate how many years you have left to save for retirement
*Annual income figures taken from https://retirementlivingstandards.org.uk and adjusted for inflation.
Your pension income could be more or less than this and will depend on your investment performance and on the annuity rate at the time you retire.
The figure provided is an example only and not guaranteed – it isn’t a minimum or maximum amount. What you get back will depend on how your investment grows and on the tax treatment of the investment. You could get back more or less than this.
The value of an investment with St. James’s Place will be directly linked to the performance of the funds selected and may fall as well as rise. You may get back less than the amount invested.
This item is for guidance purposes only. It is not a projection and shouldn’t be treated as such.
The calculator and its outputs are for illustrative purposes only and haven’t been independently verified. SJP make no representations or warranties as to the accuracy, completeness or suitability of the results and accept no liability for any reliance placed on the information generated by this tool.
It is based on current understanding of legislation and HMRC practice. It does not constitute legal or taxation advice.
Stage one – How much will I have?
What gender are you?
So we can calculate at what age you’re likely to receive your state pension
*Annual income figures taken from https://retirementlivingstandards.org.uk and adjusted for inflation.
Your pension income could be more or less than this and will depend on your investment performance and on the annuity rate at the time you retire.
The figure provided is an example only and not guaranteed – it isn’t a minimum or maximum amount. What you get back will depend on how your investment grows and on the tax treatment of the investment. You could get back more or less than this.
The value of an investment with St. James’s Place will be directly linked to the performance of the funds selected and may fall as well as rise. You may get back less than the amount invested.
This item is for guidance purposes only. It is not a projection and shouldn’t be treated as such.
The calculator and its outputs are for illustrative purposes only and haven’t been independently verified. SJP make no representations or warranties as to the accuracy, completeness or suitability of the results and accept no liability for any reliance placed on the information generated by this tool.
It is based on current understanding of legislation and HMRC practice. It does not constitute legal or taxation advice.
Stage one – How much will I have?
What age would you like to retire?
So we can work out how long you you have to save, and whether your state pension will kick before or after your chosen retirement date
*Annual income figures taken from https://retirementlivingstandards.org.uk and adjusted for inflation.
Your pension income could be more or less than this and will depend on your investment performance and on the annuity rate at the time you retire.
The figure provided is an example only and not guaranteed – it isn’t a minimum or maximum amount. What you get back will depend on how your investment grows and on the tax treatment of the investment. You could get back more or less than this.
The value of an investment with St. James’s Place will be directly linked to the performance of the funds selected and may fall as well as rise. You may get back less than the amount invested.
This item is for guidance purposes only. It is not a projection and shouldn’t be treated as such.
The calculator and its outputs are for illustrative purposes only and haven’t been independently verified. SJP make no representations or warranties as to the accuracy, completeness or suitability of the results and accept no liability for any reliance placed on the information generated by this tool.
It is based on current understanding of legislation and HMRC practice. It does not constitute legal or taxation advice.
Stage one – How much will I have?
How much do you currently have across all of your pension pots?
*Annual income figures taken from https://retirementlivingstandards.org.uk and adjusted for inflation.
Your pension income could be more or less than this and will depend on your investment performance and on the annuity rate at the time you retire.
The figure provided is an example only and not guaranteed – it isn’t a minimum or maximum amount. What you get back will depend on how your investment grows and on the tax treatment of the investment. You could get back more or less than this.
The value of an investment with St. James’s Place will be directly linked to the performance of the funds selected and may fall as well as rise. You may get back less than the amount invested.
This item is for guidance purposes only. It is not a projection and shouldn’t be treated as such.
The calculator and its outputs are for illustrative purposes only and haven’t been independently verified. SJP make no representations or warranties as to the accuracy, completeness or suitability of the results and accept no liability for any reliance placed on the information generated by this tool.
It is based on current understanding of legislation and HMRC practice. It does not constitute legal or taxation advice.
Stage one – How much will I have?
What is your current salary?
*Annual income figures taken from https://retirementlivingstandards.org.uk and adjusted for inflation.
Your pension income could be more or less than this and will depend on your investment performance and on the annuity rate at the time you retire.
The figure provided is an example only and not guaranteed – it isn’t a minimum or maximum amount. What you get back will depend on how your investment grows and on the tax treatment of the investment. You could get back more or less than this.
The value of an investment with St. James’s Place will be directly linked to the performance of the funds selected and may fall as well as rise. You may get back less than the amount invested.
This item is for guidance purposes only. It is not a projection and shouldn’t be treated as such.
The calculator and its outputs are for illustrative purposes only and haven’t been independently verified. SJP make no representations or warranties as to the accuracy, completeness or suitability of the results and accept no liability for any reliance placed on the information generated by this tool.
It is based on current understanding of legislation and HMRC practice. It does not constitute legal or taxation advice.
Stage one - How much will I have?
How much do you contribute monthly?
*Annual income figures taken from https://retirementlivingstandards.org.uk and adjusted for inflation.
Your pension income could be more or less than this and will depend on your investment performance and on the annuity rate at the time you retire.
The figure provided is an example only and not guaranteed – it isn’t a minimum or maximum amount. What you get back will depend on how your investment grows and on the tax treatment of the investment. You could get back more or less than this.
The value of an investment with St. James’s Place will be directly linked to the performance of the funds selected and may fall as well as rise. You may get back less than the amount invested.
This item is for guidance purposes only. It is not a projection and shouldn’t be treated as such.
The calculator and its outputs are for illustrative purposes only and haven’t been independently verified. SJP make no representations or warranties as to the accuracy, completeness or suitability of the results and accept no liability for any reliance placed on the information generated by this tool.
It is based on current understanding of legislation and HMRC practice. It does not constitute legal or taxation advice.
Stage one – How much will I have?
How much does your employer contribute monthly?
*Annual income figures taken from https://retirementlivingstandards.org.uk and adjusted for inflation.
Your pension income could be more or less than this and will depend on your investment performance and on the annuity rate at the time you retire.
The figure provided is an example only and not guaranteed – it isn’t a minimum or maximum amount. What you get back will depend on how your investment grows and on the tax treatment of the investment. You could get back more or less than this.
The value of an investment with St. James’s Place will be directly linked to the performance of the funds selected and may fall as well as rise. You may get back less than the amount invested.
This item is for guidance purposes only. It is not a projection and shouldn’t be treated as such.
The calculator and its outputs are for illustrative purposes only and haven’t been independently verified. SJP make no representations or warranties as to the accuracy, completeness or suitability of the results and accept no liability for any reliance placed on the information generated by this tool.
It is based on current understanding of legislation and HMRC practice. It does not constitute legal or taxation advice.
Stage one – How much will I have?
Do you want us to include your state pension in your forecast?
So we know how much to add to your pension pot
*Annual income figures taken from https://retirementlivingstandards.org.uk and adjusted for inflation.
Your pension income could be more or less than this and will depend on your investment performance and on the annuity rate at the time you retire.
The figure provided is an example only and not guaranteed – it isn’t a minimum or maximum amount. What you get back will depend on how your investment grows and on the tax treatment of the investment. You could get back more or less than this.
The value of an investment with St. James’s Place will be directly linked to the performance of the funds selected and may fall as well as rise. You may get back less than the amount invested.
This item is for guidance purposes only. It is not a projection and shouldn’t be treated as such.
The calculator and its outputs are for illustrative purposes only and haven’t been independently verified. SJP make no representations or warranties as to the accuracy, completeness or suitability of the results and accept no liability for any reliance placed on the information generated by this tool.
It is based on current understanding of legislation and HMRC practice. It does not constitute legal or taxation advice.
Stage one
Complete
We estimate you will have
£ 0
This section estimates the projected value of the your pension at retirement based on current contributions and assumptions.
*Annual income figures taken from https://retirementlivingstandards.org.uk and adjusted for inflation.
Your pension income could be more or less than this and will depend on your investment performance and on the annuity rate at the time you retire.
The figure provided is an example only and not guaranteed – it isn’t a minimum or maximum amount. What you get back will depend on how your investment grows and on the tax treatment of the investment. You could get back more or less than this.
The value of an investment with St. James’s Place will be directly linked to the performance of the funds selected and may fall as well as rise. You may get back less than the amount invested.
This item is for guidance purposes only. It is not a projection and shouldn’t be treated as such.
The calculator and its outputs are for illustrative purposes only and haven’t been independently verified. SJP make no representations or warranties as to the accuracy, completeness or suitability of the results and accept no liability for any reliance placed on the information generated by this tool.
It is based on current understanding of legislation and HMRC practice. It does not constitute legal or taxation advice.
Stage Two
How much is enough?
You’ve got your magic number, so let’s calculate how much you need to enjoy your lifestyle.
- Life expectancy of 88, based on ONS figures for a female.
- Full State pension assumed, increasing at 2% per annum
- Required income based on retirement living standards (source: Pensions and Lifetime Savings Association PLSA), which assumes you fully own your own home.
*Annual income figures taken from https://retirementlivingstandards.org.uk and adjusted for inflation.
Your pension income could be more or less than this and will depend on your investment performance and on the annuity rate at the time you retire.
The figure provided is an example only and not guaranteed – it isn’t a minimum or maximum amount. What you get back will depend on how your investment grows and on the tax treatment of the investment. You could get back more or less than this.
The value of an investment with St. James’s Place will be directly linked to the performance of the funds selected and may fall as well as rise. You may get back less than the amount invested.
This item is for guidance purposes only. It is not a projection and shouldn’t be treated as such.
The calculator and its outputs are for illustrative purposes only and haven’t been independently verified. SJP make no representations or warranties as to the accuracy, completeness or suitability of the results and accept no liability for any reliance placed on the information generated by this tool.
It is based on current understanding of legislation and HMRC practice. It does not constitute legal or taxation advice.
Stage Two – How much will I have?
What is your preferred retirement lifestyle?
Minimum
Covers all basics with some extras: food, transport, utilities, a week’s UK holiday and limited social activities, no car costs.
Moderate
Greater flexibility: two weeks abroad, more socialising, eating out monthly, a modest car replaced regularly and more spending on clothing.
Comfortable
Financial freedom: three holidays abroad, regular theatre trips, new car every five years, generous clothing, and more for family support.
*Annual income figures taken from https://retirementlivingstandards.org.uk and adjusted for inflation.
Your pension income could be more or less than this and will depend on your investment performance and on the annuity rate at the time you retire.
The figure provided is an example only and not guaranteed – it isn’t a minimum or maximum amount. What you get back will depend on how your investment grows and on the tax treatment of the investment. You could get back more or less than this.
The value of an investment with St. James’s Place will be directly linked to the performance of the funds selected and may fall as well as rise. You may get back less than the amount invested.
This item is for guidance purposes only. It is not a projection and shouldn’t be treated as such.
The calculator and its outputs are for illustrative purposes only and haven’t been independently verified. SJP make no representations or warranties as to the accuracy, completeness or suitability of the results and accept no liability for any reliance placed on the information generated by this tool.
It is based on current understanding of legislation and HMRC practice. It does not constitute legal or taxation advice.
Stage Two – How much will I have?
Will you make any additional income each year? (e.g. rental property)
*Annual income figures taken from https://retirementlivingstandards.org.uk and adjusted for inflation.
Your pension income could be more or less than this and will depend on your investment performance and on the annuity rate at the time you retire.
The figure provided is an example only and not guaranteed – it isn’t a minimum or maximum amount. What you get back will depend on how your investment grows and on the tax treatment of the investment. You could get back more or less than this.
The value of an investment with St. James’s Place will be directly linked to the performance of the funds selected and may fall as well as rise. You may get back less than the amount invested.
This item is for guidance purposes only. It is not a projection and shouldn’t be treated as such.
The calculator and its outputs are for illustrative purposes only and haven’t been independently verified. SJP make no representations or warranties as to the accuracy, completeness or suitability of the results and accept no liability for any reliance placed on the information generated by this tool.
It is based on current understanding of legislation and HMRC practice. It does not constitute legal or taxation advice.
Stage Two – How much will I have?
Your results
If you would like to change your preferences please do so below.
If you would like to speak to an advisor to help you plan for a brighter future, get in touch
*Annual income figures taken from https://retirementlivingstandards.org.uk and adjusted for inflation.
Your pension income could be more or less than this and will depend on your investment performance and on the annuity rate at the time you retire.
The figure provided is an example only and not guaranteed – it isn’t a minimum or maximum amount. What you get back will depend on how your investment grows and on the tax treatment of the investment. You could get back more or less than this.
The value of an investment with St. James’s Place will be directly linked to the performance of the funds selected and may fall as well as rise. You may get back less than the amount invested.
This item is for guidance purposes only. It is not a projection and shouldn’t be treated as such.
The calculator and its outputs are for illustrative purposes only and haven’t been independently verified. SJP make no representations or warranties as to the accuracy, completeness or suitability of the results and accept no liability for any reliance placed on the information generated by this tool.
It is based on current understanding of legislation and HMRC practice. It does not constitute legal or taxation advice.
Stage Two – How much will I have?
Your results
You've fallen short of your chosen lifestyle, get in touch today to see how we can help you meet your financial goals.
Steve Davies
Director & Financial Adviser
*Annual income figures taken from https://retirementlivingstandards.org.uk and adjusted for inflation.
Your pension income could be more or less than this and will depend on your investment performance and on the annuity rate at the time you retire.
The figure provided is an example only and not guaranteed – it isn’t a minimum or maximum amount. What you get back will depend on how your investment grows and on the tax treatment of the investment. You could get back more or less than this.
The value of an investment with St. James’s Place will be directly linked to the performance of the funds selected and may fall as well as rise. You may get back less than the amount invested.
This item is for guidance purposes only. It is not a projection and shouldn’t be treated as such.
The calculator and its outputs are for illustrative purposes only and haven’t been independently verified. SJP make no representations or warranties as to the accuracy, completeness or suitability of the results and accept no liability for any reliance placed on the information generated by this tool.
It is based on current understanding of legislation and HMRC practice. It does not constitute legal or taxation advice.
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| Current step | 1 |
| Number of steps | 11 |
| Starting step | 1 | Stage | 1 |
| DoB parts | / / |
| DoB | 00/00/0001 |
| Age | 0 |
| Gender | Male |
| Retirement date (state) | not set |
| Pref retirement age | |
| Pref retirement date | not set |
| Years to preferred retirement | 0 |
| yearsWithoutStatePension | |
| Pension pot | |
| Salary | |
| salaryIncreaseAnnualPercent | 2.5 |
| Contribution method employee | percentage |
| Contribution employee (input) | |
| Contribution employee (calc) | 0 |
| Contribution method employer | percentage |
| Contribution employer (input) | |
| Contribution employer (calc) | 0 |
| Include state pension | Yes |
| Pot value at retirement | 0 |
| Retirement lifestyle | Minimum |
| Relationship status | Single |
| Death date | Not calculated yet |
| Death Age | 88 |
| Years of retirement | 0 | Additional income | 0 |
| State pension annual | 11973 |
| Amount needed | 0 |
| Income from pot | 0 |
| Income pot + state | 0 |
| Pot at start of state pension | 0 |
| Pot year | Pot | Pot + 4% | Employee | Tax relief | Employer | Tax relief |
|---|
| Yr # | Year | Needed | Fr state | Fr pot | Pot | Pot @ St |
|---|
| Label | Pot | Pot with growth |
|---|
| Key | Value |
|---|---|
| _token | v3Qspe0QUh5veQk5brbDFc0lgygQh9yitviuoHMt |
Calulate your pension
Try our free online calculator
How much will I have in retirement?
Will your pension support the retirement lifestyle you want? Use our pension calculator to estimate your future pension value and understand how your expected income aligns with your goals.
How much will I need?
See what your future retirement income could look like. Project the value of your pension savings and see how it compares to UK retirement living standards.
How do I meet my retirement goal?
If you find a shortfall, we can build a bespoke Financial Blueprint. We map your income, spending, savings, and goals year by year to give you a clear visual of your financial future.
