SIPP calculator, 2026/27

How this is calculated

Both the regular monthly contribution and the one-off lump sum are grossed up for basic-rate relief at 20.0%, reflecting how a relief-at-source SIPP provider adds tax relief automatically. The resulting gross figures are then compounded monthly at the growth rate you choose over the number of years entered.

This produces a single projected balance at the end of the term. It is a simplified model: real SIPP returns depend on the specific funds or shares held, market conditions, and ongoing charges, none of which are represented by a single flat growth rate.

The relief figures shown are the minimum you receive automatically. Higher and additional rate taxpayers can claim more through self-assessment, which would further reduce the real cost of the contributions shown here.

SIPPs and limited company directors

A SIPP can accept contributions from you personally, from your limited company as an employer contribution, or both, and gives far more investment choice than most workplace or stakeholder pensions, which suits directors who want to hold specific shares, funds or commercial property.

Company contributions to a director's SIPP are usually more tax-efficient than paying salary or dividends and contributing personally, since they avoid National Insurance and reduce corporation tax, provided the contribution passes the wholly and exclusively test.

Points worth checking

SIPP platform charges vary considerably and compound over time just as growth does, so a slightly cheaper platform can make a meaningful difference to the final balance over a 20 or 30 year term.

Whatever the source of the contribution, the total across all pensions still needs to fit within your annual allowance for the tax year, so check this alongside the Pension Annual Allowance Calculator.

Can my company pay into my SIPP directly?

Yes, most SIPP providers accept employer contributions, and this is a common way for directors to extract value from the company tax-efficiently, since it avoids National Insurance and is usually deductible for corporation tax.

Does this include investment charges?

No, the projection assumes a flat net growth rate you supply. Platform and fund charges reduce actual returns, so consider using a slightly lower growth rate if you want to build in an allowance for costs.

What can I invest in through a SIPP?

Most SIPPs offer a wide range of funds, shares, investment trusts and sometimes commercial property, considerably more choice than typical workplace pensions, though the specific range depends on your provider.

Is a SIPP better than a workplace pension?

Not necessarily; it depends on charges, investment choice and whether an employer is matching contributions elsewhere. Many directors use a SIPP precisely because there is no separate employer scheme to contribute through.