Illustrative tool
See how your pension pot could grow over time. Adjust the inputs to explore different scenarios.
Illustrative only - not financial advice.
These figures are illustrative only and are not financial advice. Projections assume a constant growth rate with no charges, inflation, or tax deducted. Actual outcomes will differ. Speak to a regulated adviser before making any financial decisions.
Projected pension pot
£612,413
after 20 years at 5% growth
Illustrative only - not financial advice.
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SIPP, QROPS, and cross-border pension decisions need regulated advice. We can make the introduction.
Questions
How is the pension pot projection calculated?
The illustrator uses a compound growth model based on your starting balance, monthly contributions, assumed annual return, and retirement age. It does not account for inflation, tax charges, or adviser fees — it is a simplified illustration only.
Can I transfer my UK pension abroad as an expat?
Depending on your circumstances and destination country, it may be possible to transfer a UK pension to a Qualifying Recognised Overseas Pension Scheme (QROPS). This is a complex area — eligibility, tax treatment, and regulatory requirements vary significantly by jurisdiction. A qualified specialist should be consulted before any transfer is considered.
What is the difference between a SIPP and a QROPS for expats?
A SIPP (Self-Invested Personal Pension) remains a UK-registered scheme and is subject to UK pension rules, including lifetime allowance considerations and tax treatment on income drawn. A QROPS is an overseas pension scheme that has met HMRC requirements — it may be more appropriate for long-term non-UK residents, but carries additional complexity and is not suitable for all situations, particularly US persons.
Does this illustrator include adviser fees in the projection?
No. The projection uses the gross annual return you input and does not deduct advisory or platform fees. In practice, ongoing charges — which can range from 0.75% to 2.5% or more per year — significantly affect long-term outcomes. The Fee Impact Illustrator on our Financial Health Check page models this effect in detail.
When should I review my pension arrangement as an expat?
As a general guide, it is worth reviewing your pension arrangement if you have not done so in more than two years, if you have moved country since your last review, if your pension has grown significantly, or if you are within ten years of planned retirement. A cross-border specialist can assess whether your current structure remains appropriate for your jurisdiction.
More questions? Visit our full FAQ
Your pension projections are illustrative - a regulated adviser can give you a personalised analysis.