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What could I get?

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Our pension calculator gives you an idea of how much you might get when you take your money out of Nest.

How does the calculator work?

The calculator considers how we invest your money, so it gives you the best estimate of what your pot might be worth when you retire.

You can also see how different options, such as taking a tax-free cash lump sum and increasing your pension income in line with inflation, can affect your pot. This will help you understand the kind of retirement you’re on track for.

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Work out what your pot could be worth

You can use our pension calculator to estimate how much you could get when you take your money out of Nest.

How do I know if I’m saving enough?

If you’re not sure how much you’ll need for your future, don’t worry. Our guidance explains how much different lifestyles could cost in retirement – if you don’t think you’re on track, you’ll also find some simple things you can do to try to boost your pot.

How accurate is the calculator?

The calculator is as accurate as it can be with the information we have, but several things could change the exact sum you’ll get. Some of these are under your control, such as the amount of time you save and the contributions you make. Some of them aren’t, like the contributions your employer makes and how much your retirement pot grows through investment.

The figures you get are based on your money being invested in a Nest Retirement Date Fund, with the exact fund depending on your retirement date. This means your money is invested in a way that can get you to the right place at the right time. You can read more about how we calculate your pension estimate.

Want to include your other pension savings?

If you want take your State Pension or any pension pots outside of Nest into account, try the pension calculator from MoneyHelper. They're a government-backed organisation providing free, impartial money and pensions guidance.

Pensions Calculator

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Not sure how much you’ll need?

We can help. See how much different lifestyles could cost in retirement and some simple ways to save more for your future.

Check if you’re on track

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It’s never too late

Don’t worry if you’ve used our calculator and are concerned about securing the lifestyle you want. By acting now you can still make a difference to your future.

Start saving