When can I access my SIPP?

From age 57 from 2028 (currently 55). You can take 25% as a tax-free lump sum; the remainder is taxed as income when withdrawn.

SIPP Calculator – 2025

Calculate SIPP pension pot growth with tax relief. Project your retirement fund from annual contributions. updated for 2025.

Enter your values

Your Annual Contribution ($)

Your Tax Rate (%)

Years Until Retirement

Annual Return (%)

❓ Frequently Asked Questions

HMRC adds basic rate (20%) tax relief to your contributions automatically. A £800 net contribution becomes £1,000 in your SIPP. Higher rate taxpayers claim the additional 20% through self-assessment.

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