Inputs
Your SIPP
Your Pension Pot
Pension Pot Over Time
Year-by-Year
| Year | Balance | Invested | Gains |
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Pay in net, the government tops it up. See your pension pot, the 25% tax-free lump sum, and the relief you can reclaim.
Grosses up your net contribution with 20% basic-rate relief, compounds the pot to retirement, and shows the 25% tax-free lump sum plus the taxable remainder. Higher/additional-rate relief reclaimed separately is shown too.
UK workers and the self-employed building a private pension, especially higher-rate taxpayers for whom the relief is most valuable.
Assumes basic-rate relief at source and a flat return. Does not model the annual allowance (£60k), tapering, or the lump-sum allowance cap.
| Year | Balance | Invested | Gains |
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