What could a £200,000 pension pot grow to — real provision starts here.
Project a £200,000 pension pot's growth over 10-25 years with realistic UK assumptions. See your potential retirement income.
A £200,000 pot is the threshold at which serious retirement provision begins — at the 4% safe withdrawal rate it produces £8,000/year of income, which combined with the full state pension of £11,502 gives you around £19,500/year before tax. At 5% growth the pot adds £10,000 a year purely from compounding, more than many people earn in pension contributions. With another 15 years and £600/month of contributions, this pot becomes around £585,000 — enough to support around £23,000/year of drawdown income for a 30-year retirement. This is the pot size at which the question shifts from 'how do I save more' to 'how do I optimise what I have' — and where the fee impact calculator becomes the most useful tool on this site.