GeraCash / Pension & Retirement Calculator
UK Pension & Retirement Calculator 2025–26
See your projected pension pot and annual retirement income for any age, salary and contribution rate — using the 2025–26 state pension of £230.25/week and DWP auto-enrolment rates. The Gera Retirement Readiness Score (GRRS/100) shows how close you are to the 70%-replacement target.
How much pension will I get in the UK if I retire at 67?
A 35-year-old on a £35,000 salary contributing the statutory minimum (8% of qualifying earnings) will project a pension pot of £131,927 and a total annual retirement income of £20,768 at age 67 — a Gera Retirement Readiness Score (GRRS) of 85/100, based on the 2025–26 state pension of £230.25/week (DWP, OGL v3.0).
Projected pension at age 35 by salary (8% auto-enrolment minimum)
| Gross salary | Annual contrib. | Pot at 67 | Annual income | GRRS | Band |
|---|---|---|---|---|---|
| £20,000 | £1,101 | £63,125 | £16,181 | 100 | strong |
| £25,000 | £1,501 | £86,059 | £17,710 | 100 | strong |
| £30,000 | £1,901 | £108,993 | £19,239 | 92 | strong |
| £35,000 | £2,301 | £131,927 | £20,768 | 85 | good |
| £40,000 | £2,701 | £154,860 | £22,297 | 80 | good |
| £50,000 | £3,501 | £200,728 | £25,355 | 72 | good |
| £60,000 | £3,522 | £201,932 | £25,435 | 61 | moderate |
| £75,000 | £3,522 | £201,932 | £25,435 | 48 | poor |
| £100,000 | £3,522 | £201,932 | £25,435 | 36 | poor |
Annual contrib = qualifying earnings (salary − £6,240, capped £50,270) × 8%. Pot = future value at 4% real p.a. (DWP assumption), 15-year drawdown. Income = drawdown + state pension £11,973/yr. GRRS = income ÷ (salary × 70%) × 100. DWP/ONS OGL v3.0.
Calculate your Gera Retirement Readiness Score
Enter your age, salary and contribution rate to see your projected pension pot, income and GRRS
Must be under 67
Annual gross earnings
Employer + employee combined
Gera Retirement Readiness Score: 85/100
Good readiness
15% below the 70%-replacement target
Projected pot at 67
£131,927
£2,301/yr × 32 yr at 4% real
Annual retirement income
£20,768/yr
£8,795 drawdown + £11,973 state pension
Target income (70% of salary)
£24,500/yr
DWP replacement-rate benchmark
Annual contribution
£2,301/yr
£28,760 qualifying earnings × 8%
This projection uses published DWP and ONS rates. It is not regulated financial advice. Actual outcomes depend on fund performance, contribution history and future rate changes. For personalised advice consult an FCA-authorised financial adviser.
Detailed projections by age & salary
Starting at age 22 (45 years to retire)
At £35,000 + 8%: GRRS 100/100 · Pot £243,404
Starting at age 25 (42 years to retire)
At £35,000 + 8%: GRRS 100/100 · Pot £213,090
Starting at age 28 (39 years to retire)
At £35,000 + 8%: GRRS 99/100 · Pot £185,748
Starting at age 30 (37 years to retire)
At £35,000 + 8%: GRRS 95/100 · Pot £169,027
Starting at age 32 (35 years to retire)
At £35,000 + 8%: GRRS 91/100 · Pot £153,417
Starting at age 35 (32 years to retire)
At £35,000 + 8%: GRRS 85/100 · Pot £131,927
Starting at age 40 (27 years to retire)
At £35,000 + 8%: GRRS 76/100 · Pot £100,690
Starting at age 45 (22 years to retire)
At £35,000 + 8%: GRRS 69/100 · Pot £74,389
Starting at age 50 (17 years to retire)
At £35,000 + 8%: GRRS 63/100 · Pot £52,244
Starting at age 55 (12 years to retire)
At £35,000 + 8%: GRRS 58/100 · Pot £33,599
Frequently asked questions
- What is the UK state pension in 2025–26?
- The full new State Pension is £230.25 per week (£11,973/year) in 2025–26. This applies to those reaching State Pension age on or after 6 April 2016 with at least 35 qualifying National Insurance years. Source: DWP Benefit and Pension Rates 2025–26 (gov.uk, OGL v3.0).
- What are the auto-enrolment minimum pension contribution rates?
- From April 2019 onwards: the minimum employer contribution is 3% and the minimum employee contribution is 5%, giving a total minimum of 8%. Contributions apply on qualifying earnings between £6,240/yr and £50,270/yr. Source: gov.uk workplace pensions (OGL v3.0).
- What is the Gera Retirement Readiness Score (GRRS)?
- The Gera Retirement Readiness Score (GRRS/100) is Gera's proprietary index: GRRS = min(100, round(projected_annual_income / target_income × 100)), where target = gross × 70% (the standard DWP replacement-rate benchmark). A GRRS of 90+ means your projected income meets or exceeds the target; 70–89 is "good"; 50–69 is "moderate"; below 50 is "poor". Full methodology at /methodology/gera-retirement-readiness-score.
- How is the projected pension pot calculated?
- The pot is the future value of level real contributions compounded at 4% per annum real (CPI-adjusted) — the DWP's own official pension modelling assumption. Contributions = qualifying earnings × total contribution rate, constant in real terms. At retirement the pot is divided over 15 years (level drawdown) and added to the state pension for total projected income.
- What retirement age does this calculator use?
- State Pension age is 67 for both men and women born after 5 April 1960, as set out in the Pensions Act 2014. This is the age used across all GRRS projections. Years to retirement = 67 − current age.
- Does the calculator include salary growth or inflation?
- No — contributions are constant in real (CPI-adjusted) terms. This is a deliberate conservative baseline: if your real salary grows, your actual pot will be larger. The 3.5% growth rate is already CPI-adjusted, so you are comparing like-with-like in today's money.
Get personalised retirement projections
GeraCash is building a fully personalised pension dashboard — see exactly what your retirement looks like and what changes have the biggest impact. Join the waitlist for early access.
Data sources
Contains public sector information published by Department for Work and Pensions (DWP) and licensed under the Open Government Licence v3.0. Source: DWP — Benefit and pension rates 2025 to 2026 (2025–26, published April 2025).
Contains public sector information published by Department for Work and Pensions (DWP) and licensed under the Open Government Licence v3.0. Source: GOV.UK — Workplace pensions: what you, your employer and the government pay (April 2019 onwards (current), published April 2019).
Contains public sector information published by Office for National Statistics and licensed under the Open Government Licence v3.0. Source: ONS — Annual Survey of Hours and Earnings (ASHE) 2025, provisional (April 2025 (provisional), published 23 October 2025).
Projections computed by Gera from published DWP and ONS rates. For the full GRRS formula, see the methodology page.
Related tools
- UK take-home pay calculator — see exactly what you take home after tax & NIC
- Universal Credit entitlement calculator — check UC support for your household
- GRRS methodology — full formula, sources and worked examples