Junior SIPP calculator

Choose whether contributions run to retirement or stop at age 18, then compare potential retirement income with an editable State Pension figure.

EducationalScenario planningCompoundingInflation-aware

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Educational tool (not financial advice)

This calculator is for learning and scenario planning. It does not consider your full circumstances and does not recommend specific products or providers.

Assumptions matter

Small changes in growth, inflation, fees and time horizons can change outcomes materially. Use the inputs to explore a range of scenarios.

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Choose whether contributions run to retirement or stop at age 18, then see the potential retirement income compared with the State Pension.

Monthly contribution (£): 50Assumed growth (annual): 5.0%Inflation (annual): 2.5%Retirement age: 67Contribute until age 18 only (then growth only)

Assumed safe withdrawal rate (real)4.0% of pot per year (today's £)State Pension (weekly, editable)Default is an example figure — edit if needed.

Total contributions

£0

18 years

Pot at 67 (today's £)

£0

Nominal pot: £0

Approx. real growth / yr

2.4%

(= growth - inflation)

Projection

Income from Junior SIPP (today's £)

Annual

£0

Monthly

£0.00

State Pension (editable)

Annual

£0

Monthly

£0.00

Combined income (SIPP + State Pension)

Annual (today's £)

£0

Monthly (today's £)

£0.00

▼ Assumptions & methodology

This calculator is designed for learning. It uses simplified assumptions so students can see the effect of: contributions + time + growth + inflation.

Assumed growth and assumed inflation are constant rates (real markets vary).
Contributions are modelled monthly; the tool does not explicitly model fees, charges, tax, or product rules.
“Today’s £” is shown by adjusting nominal values for inflation (real terms).
Withdrawal rate is a simplified educational assumption and not a guarantee of sustainable income.
State Pension is editable and may change over time; treat it as a scenario input.

Fees - Coming soon!.

Privacy

This tool runs in the browser and calls a calculation API. It does not require personal data inputs to be useful.

Last reviewed: (add date)• Tags: Educational, Scenario planning, Compounding, Inflation-aware

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