How is the pension pot calculated?

Employee + employer + tax-relief contributions are added to the existing pot each year, then the whole pot grows by the chosen rate. The calculator iterates year-by-year to retirement age.

What's a realistic growth rate?

Pension regulators in the UK and US typically use 2% real (after inflation) for cautious projections, 5% for balanced, and 7% for growth-focused funds. Past returns do not guarantee future performance.

Should I include tax relief?

For UK and Irish pensions yes — relief (20–45% UK, 20–40% Ireland) is grossed up by HMRC / Revenue on top of your contribution. For US 401k and EU pre-tax workplace pensions there is no separate relief — the contribution is already taken before income tax.

A common safe-withdrawal heuristic — withdraw 4% of the pot each year (rising with inflation) and the pot has historically lasted 30+ years. Newer research suggests 3.3–3.7% is safer in current low-yield conditions.

🌅 Pensionskasse Lommeregner

Project your retirement pot with employer match and tax relief — UK pension or US 401k.

Ordning

Valuta

Nuværende alder

Retirement age

Nuværende pensionspot

Årlig salary

You contribute (% of salary)

Employer match (% of salary)

Skattereliefsbånd

Expected annual growth (%)

Årlig lønvækst (%)

⚠️ Ikke finansiel rådgivning. Future returns are uncertain. Speak to a regulated financial adviser before making changes to your pension contributions.

About the Pensionskasse Lommeregner

The Pension Pot Calculator projects your workplace pension or 401k forward to your chosen retirement age. It compounds employee + employer + (UK / Ireland) tax relief contributions through the years and applies your chosen growth rate. Three schemes are supported: UK pension, Ireland pension, and pre-tax (US 401k or most EU workplace pensions).

How tax relief works (UK)

For hver £80, du bidrager fra din nettopay, tilføjer HMRC £20 (grundsatslempelse) — hvilket gør bruttobidraget £100. Skatteydere i den højere sats (40%) og den ekstra sats (45%) kan kræve yderligere lempelse via Self-Assessment. Lommeregneren anvender lempelse automatisk, når "UK pension" er valgt.

Sådan Fungerer Skattelettelse (Irland)

Irish Revenue anvender lempelse til din marginalsats (20% standard eller 40% højere) ved hjælp af den samme brutto-op-mekanisme som i UK. Aldersbaserede bidragsgrænser gælder (15% af indkomst under 30, stigende til 40% ved alder 60+), og en indkomstloft på €115.000 er oven på. Lommeregneren håndhæver ikke disse grænser — verificer med Revenue.ie eller en skatterådgiver.

Pensioner før skat (US 401k og EU arbejdsplads)

Amerikanske 401k-bidrag og de fleste kontinentale europæiske arbejdsgiversponsorerede pensioner (tysk bAV, fransk PER, hollandsk 2. søjle, spanske planes de pensiones, italienske fondi pensione) trækkes fra pre-tax løn – din skattepligtige indkomst reduceres med bidragsbeløbet, og der tilføjes ingen ekstra lempelse ovenpå. Landspecifikke bidragslofter gælder (f.eks. €1.500 individuelt loft i Spanien, €5.164 i Italien, ~€3.624 skattefrit BBG-rum for tysk bAV) og håndhæves ikke her. Vælg denne mulighed for enhver forhåndsbeskattet arbejdsgiverpension.

4%-reglen

En bredt anvendt tommelfingerregel for pensionsindkomst: Træk 4% af formuen ud om året (stigende med inflationen), og formuen holder historisk set i 30+ år. Nyere forskning efter år med lave afkast antyder, at 3,3–3,7% er mere sikkert.

Ofte stillede spørgsmål

Why is "today's money" lower than the nominal pot? Inflation erodes buying power. £1m in 30 years won't buy what £1m buys today. The calculator deflates the projected pot by 2.5% per year for a "real-terms" figure.

What growth rate should I use? Cautious: 2% real (≈ 5% nominal). Balanced: 4% real (≈ 7% nominal). Growth: 5–6% real. Real returns assume inflation of around 2.5%.

Should I include the State Pension? No — this calculator only models a workplace/401k pot. Add the State Pension or Social Sikring separately when planning total retirement income.

⚠️

Vigtig bemærkning: Projections are illustrative only. Capital is at risk and past performance does not guarantee future returns. Consult a regulated adviser before significant pension decisions.

Relaterede lommeregnere

401(k) Calculator — US 401(k) fremskrivning med arbejdsgivermatch, lønvækst og 2026 IRS-grænser.
Retirement Goal Tracker — Er du på rette spor? Forventet formue vs. nødvendig formue for din målindkomst.
Social Security Calculator — Estimat your US Social Sikring benefit at 62, Full Pensionsalder and 70.