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    Home / Mattioli Woods Pension Calcula…

    Mattioli Woods Pension Calculator

     

     

     

     

    What you'll need

    • Current pension pot value
    • Monthly contribution amount
    • Employer contribution (if applicable)
    • Your age and planned retirement age
    • Expected growth rate and charges

    Personal Details

    Enter your age today
    The age you plan to stop working

    Current Savings

    The total value of your pension savings today

    Monthly Contributions

    How much you pay in each month
    How much your employer pays in each month

    Your Projected Results

    Projected pot at retirement
    £234,567
    £123,456 in today's money
    Projected Annual income at retirement
    £34,567
    Approximately £23,456 in today's money
    Based on
    • 3.5% annual drawdown
    • 20-year retirement (to age 85)
    This level of income is expected to support a Moderate lifestyle, based on PLSA Retirement Living Standards.
    This calculator provides illustrative estimates only and does not constitute regulated financial advice. Projections are based on assumptions that may not reflect actual market conditions. Past performance is not a guide to future results. Always consult a qualified financial adviser before making pension decisions

    Pot growth over time

    Current projection Your target Your target in today's money Planned retirement age

    The estimated income is based on a static annual rate of 3.5%, meaning it remains constant throughout the projection and does not adjust for inflation or potential fluctuations in investment performance.

    What do your results mean?

    Your projected pot

    This is an estimate of how much your pension could be worth when you retire, based on the details you've entered. It assumes consistent contributions and the growth rate you've selected, compounded over time.

    Real-terms value

    Because of inflation, money in the future is worth less than it is today. The real-terms figure shows what your projected pot would be worth in today's money, so you can better understand your actual purchasing power in retirement.

    Estimated annual income

    This figure shows roughly how much income your pot could provide each year in retirement, based on a 3.5% annual drawdown rate. This is not guaranteed — actual income will depend on how your investments perform and how you choose to access your pension.

    The retirement benchmarks

    The Pensions and Lifetime Savings Association (PLSA) defines three standards of retirement living. Minimum (£14,400/yr) covers basic needs. Moderate (£31,300/yr) allows for some financial security and flexibility. Comfortable (£43,100/yr) provides more financial freedom. These are useful reference points, not targets.

    Get personalised advice from Mattioli Woods

    Our advisers can review your full retirement picture and provide guidance tailored to your situation. Get in touch and one of our team will be happy to help.

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      Key Assumptions

      Assumption Default Adjustable?
      Annual growth rate 5% Yes
      Annual charges 0.5% Yes
      Inflation 2% Yes
      Drawdown rate 3.5% No (Fixed)
      Life expectancy 90 years No (Fixed)
      State pension Included by default Yes