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Estimate a Self-Invested Personal Pension pot with tax-relief, growth and fee scenarios for 2026/27.
A Self-Invested Personal Pension (SIPP) can provide tax relief on eligible contributions and a tax-advantaged investment wrapper. This calculator projects a scenario using the entered contribution, growth and fee assumptions; it is not a personal tax or investment recommendation.
Enter your personal payment and marginal-rate assumption to view an illustrative gross contribution and any modeled further-relief amount. The calculator cannot confirm that a contribution qualifies for tax relief.
The projection applies your entered return and fee assumptions over the selected period, with contributions added at each year end. Actual investment returns and charges will vary.
Enter a net personal payment, current SIPP value, years, and your own annual return, fee and marginal-rate assumptions. The 2026/27 projection is nominal, adds grossed-up contributions at each year end, and assumes one constant annual return and fee. It does not establish whether contributions qualify for relief or fit your Annual Allowance, relevant earnings, taper or MPAA. The manually entered further-relief estimate is not Scottish tax advice.
Pension inputs are kept for this visit and are not saved in browser storage. If you copy or share the URL, it contains the entered values and anyone with the link can read them.
Reviewed 30 September 2026. UK private-pension illustration; tax treatment can vary by nation and individual circumstances.
Projected pot after modeled fees
£432,904
Basic relief added over term
£40,000
Illustrated fee difference
£30,420
Pot plus gross contributions
£250,000
Contributions are added at each modeled year end; values use the selected annual return and fee.
| Year | Pot after fees | Pot without fees | Pot + gross contributions |
|---|---|---|---|
| Year 1 | £62,238 | £62,500 | £60,000 |
| Year 2 | £75,023 | £75,625 | £70,000 |
| Year 3 | £88,380 | £89,406 | £80,000 |
| Year 4 | £102,335 | £103,877 | £90,000 |
| Year 5 | £116,914 | £119,070 | £100,000 |
| Year 6 | £132,146 | £135,024 | £110,000 |
| Year 7 | £148,060 | £151,775 | £120,000 |
| Year 8 | £164,686 | £169,364 | £130,000 |
| Year 9 | £182,055 | £187,832 | £140,000 |
| Year 10 | £200,202 | £207,224 | £150,000 |
| Year 11 | £219,161 | £227,585 | £160,000 |
| Year 12 | £238,969 | £248,964 | £170,000 |
| Year 13 | £259,663 | £271,412 | £180,000 |
| Year 14 | £281,282 | £294,983 | £190,000 |
| Year 15 | £303,870 | £319,732 | £200,000 |
| Year 16 | £327,468 | £345,719 | £210,000 |
| Year 17 | £352,122 | £373,005 | £220,000 |
| Year 18 | £377,880 | £401,655 | £230,000 |
| Year 19 | £404,790 | £431,738 | £240,000 |
| Year 20 | £432,904 | £463,324 | £250,000 |
End-of-term values from the same assumptions; the fee difference compares with a zero-fee run.
| Measure | Amount |
|---|---|
| Current pot + gross contributions | £250,000 |
| After-fee projected pot | £432,904 |
| No-fee projected pot | £463,324 |
| Fee difference | £30,420 |
Only the annual fee assumption changes; growth, contribution and term stay fixed.
| Annual fee rate | Projected pot after fees |
|---|---|
| 0% | £463,324 |
| 0.25% | £447,820 |
| 0.5% | £432,904 |
| 0.75% | £418,554 |
| 1% | £404,748 |
| 1.5% | £378,685 |
| 2% | £354,555 |
Your net personal payment is grossed up for 20% relief at source. Any selected further-relief estimate is separate and is not added to the SIPP pot; it assumes the full gross contribution qualifies for relief at the entered marginal rate. The rate is not calculated from your income and does not account for band stacking or all Scottish Income Tax rules.
This is a nominal illustration, not a forecast. It applies the same annual growth and fee percentages each year, adds contributions at year end, and cannot model investment volatility, inflation, changing fees, tax on withdrawals, Annual Allowance, relevant earnings, taper, MPAA, carry-forward, employer payments or personal eligibility.
At the selected rate, potential further relief is £2,000 per year (£40,000 over the modeled term); eligibility and the amount reclaimable are not determined here.
| Item | Value |
|---|---|
| Net annual payment | £8,000 |
| Basic relief added each year | £2,000 |
| Gross annual SIPP contribution | £10,000 |
| Starting pot | £50,000 |
| Term | 20 years |
| Annual growth assumption | 5% |
| Annual fee assumption | 0.5% |
| Selected marginal-rate assumption | 40% |
| Projected pot after fees | £432,904 |
These official GOV.UK and HMRC sources support the 2026/27 pension-relief, annual-allowance, access-age, lump-sum and death-benefit explanations. The projection is an illustration and does not check your HMRC or pension-provider records.