If you’re self-employed or run your own limited company, there’s no employer defaulting you into a pension — you’re making every decision yourself, usually with income that doesn’t arrive the same way each month. This tool models where you stand: how much you can contribute with full tax relief, a rough SIPP/ISA split based on your tax band, and whether your current pace puts you on track for the retirement income you’re aiming for.
It’s a planning aid, not a forecast or personal recommendation — see the full disclaimer below the results. Adjust the numbers on the left to match your own situation.
Self-employed pension & investing planner
Illustrative estimate — not personal advice. Prototype for invstrz.com/.
Contribution capacity
Relevant UK earnings—
Max personal contribution (full relief)—
Suggested annual contribution (from slider)—
Suggested SIPP / ISA split
SIPP 60%
ISA 40%
Based on your tax band this year, SIPP relief is doing more work — weighted toward SIPP, with ISA kept for flexibility.
Retirement runway
On track
Projected pot at 60—
Target pot (4% withdrawal rate)—
0%50%100% of target150%+
Assumes 5% real annual growth, contributions made consistently each year. A rough estimate to guide planning, not a forecast.
This tool provides general illustrative estimates only and does not constitute financial or tax advice.
Figures use 2026/27 rules (£60,000 annual allowance, employer contributions uncapped by salary for
limited company directors). It does not account for the tapered annual allowance for high earners,
carry forward, or your full tax position. Speak to a qualified accountant or FCA-regulated adviser
before making contribution decisions.