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Pension pot calculator

How can fees and tax relief affect your pension pot? Use our pension pot calculator to find out.

Which? Recommended Provider. Stocks & Shares ISA. March 2025.

The only Which? Recommended Provider to also be rated as Great Value by Which? customers

Potential pension pot

£2,067,695

Value without fees and with reclaimed tax

£1,257,452

Value with fees and without reclaimed tax

£810,243

Estimated loss in your pension pot due to high fees and unused tax benefits.

£2,067,695£1,860,925£1,654,156£1,447,386£1,240,617£1,033,847£827,078£620,308£413,539£206,769£0











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£2,067,695

Value without fees and with reclaimed tax

£1,257,452

Value with fees and without reclaimed tax

£810,243

Estimated loss in your pension pot due to high fees and unused tax benefits.

Value without fees and with reclaimed tax
£2,067,695
Value with 1% fee and with reclaimed tax
£1,613,797
Value without fees and without reclaimed tax
£1,614,696
Value with 1% fee and without reclaimed tax
£1,257,452

For illustrative and educational purposes only. The chart above presents potential future annualised returns based on past performance. However, past performance is not indicative of, nor does it guarantee, future results. The value of your portfolio may fluctuate due to market conditions, and your capital is at risk when investing.
Returns may also be subject to taxation depending on individual circumstances. Please note this is not intended to be financial advice or a promise of future performance. You should seek financial advice if in doubt before investing.
Values are adjusted to account for the decreasing value of money over time, based on the UK government’s 2% inflation target. This means the figures show what your savings are worth in today’s money, rather than their future total.
ETF costs apply.

Don’t let fees ruin your retirement

Fees can have a big impact on your pension pot.A 1% fee could lead to thousands less in your pension. This could mean you have to work longer, or simply end up with less money in your pension when you retire.Do you really want to work longer, or sacrifice your standard of living? Thanks to InvestEngine’s fee‑free SIPP, you can be sure that investing fees won’t be a worry for you.How can we afford to charge zero fees? Find out more here.

Rated by experts

Our investment accounts and portfolios are receiving increasing recognition from around the industry. While your satisfaction is our number one gauge of success, it’s always great to receive a few stars for our efforts.
Money Week Awards 2024. Reader's choice
Investor's Chronicle. Financial Times. Celebration of investment awards 2024. 5 stars.
Which? Recommended Provider. Stocks & Shares ISA. March 2025
Winner. Finder Awards 2024. Investing Customer Satisfaction
Forbes Advisor. Best of 2024

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