UK SIPP Calculator

Self-Invested Personal Pension: pot growth plus HMRC tax relief on your contributions.

Instant results Private — runs in your browser Updated January 1970

Inputs

Capped at UK annual allowance £60,000
£
£
20 basic · 40 higher · 45 additional
%
%
Projected pot
$435,796.38
Tax relief this year: £1200 · Net cost: £4800
Balance growth

How it works

Monthly compounding · end-of-period contributions. HMRC adds 20% basic-rate relief at source; higher/additional-rate taxpayers reclaim the extra via Self Assessment. Contributions above the annual allowance (£60,000) may face a charge.

Frequently asked questions

Is this guaranteed?

No — these are projections that assume your inputs hold. Real markets and life are variable.

What's the 4% safe-withdrawal rule?

The Trinity Study suggests withdrawing 4% of a balanced portfolio in year one and adjusting for inflation typically lasts 30+ years.

Should I max out my 401(k)?

At minimum, capture the full employer match — that's free money. Beyond that, balance against debt payoff and emergency reserves.

Roth vs. Traditional?

Roth wins if you'll be in a higher tax bracket in retirement; Traditional wins if you'll be in a lower bracket.

When should I start saving?

Immediately. The single biggest variable in retirement success is years of compounding.

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Results are estimates for educational purposes only and are not financial advice. Verify with a qualified professional before making decisions.

Last updated January 1970