Private retirement accumulation worksheet

Project your pension from evidence - not a country preset.

Enter the balance and contribution amounts shown by your current scheme or provider, then test your own return, fee and inflation assumptions. AfroTools supplies no statutory rate, fund forecast or withdrawal rule.

Runs locallyNo AI transferNo saved inputsDeterministic sensitivity

Your projection inputs

Use one currency throughout. Do not enter names, account numbers, tax identifiers or other personal information.

Current evidence

Currency codeThree-letter ISO code; no conversion occurs.

Current pension balance

Monthly personal contribution

Monthly employer contribution

Monthly voluntary contribution

Projection years

Statement, scheme rule or provider sourceName the evidence used for balance and contributions. Keep the document yourself; do not paste personal details.

Date source was checked

Planning assumptions

Gross annual return (%)

Annual fee drag (%)

Annual inflation (%)

Annual contribution growth (%)Applied at the start of each projection year.

I checked that the balance and contribution amounts match my current statement, scheme terms or employer information. I understand that return, fee and inflation values are assumptions, not forecasts, quotes or guarantees.

Planning result

Accumulation only. This is not a pension entitlement, annuity quote or withdrawal recommendation.

Projected ending balance

Value in today's money

Future contributions

Investment growth

Net annual return

Personal total

Employer total

Voluntary total

Year	Projected balance

Exact method

The gross annual return minus fee drag becomes one effective net annual rate. The engine converts it to an equivalent monthly rate, grows the opening balance, then adds that month's contributions. Contributions change once per projection year using your growth assumption.

monthly rate = (1 + gross return - fee drag)^(1/12) - 1

Today's-money value divides the ending balance by the compounded inflation factor. The two sensitivity cases change gross return by two percentage points; they are not Monte Carlo probabilities.

Sources and freshness

Investor.gov's compound-interest calculator documents initial investment, monthly contribution, time, estimated rate and compounding frequency as user inputs.

IOPS pension-projection good practices call for visible assumptions covering returns, contributions, inflation and costs. The page was reviewed on 22 July 2026; your scheme evidence must be no more than 366 days old.

Deliberate exclusions

No country contribution rates, ceilings, tax relief, retirement age or access rules.
No provider rankings, fund forecast, probability, annuity, drawdown or "safe withdrawal" promise.
No defined-benefit entitlement, state pension, currency conversion or legal classification.
No silent AI request, network calculation, local storage or account gate.

How to use the result

Compare the assumptions with your latest statement and fee disclosure. Run lower-return, higher-fee and higher-inflation cases. Ask the scheme administrator or a licensed adviser about benefits, guarantees, taxes, access, beneficiary treatment and retirement-income products before acting.

Privacy

Inputs remain in this browser tab. Copy, CSV and PDF are generated locally. Avoid entering identifiers or personal document text.