AVC top up calculator

Increasing your Additional Voluntary Contributions (AVCs) could help boost your retirement income.

The calculator below helps you work out what difference increasing your AVCs could make to your retirement goals. As you amend the contribution details and remaining contribution years in 'Your details', the figures will automatically update in 'Your summary'. If you have any existing AVC plans, you can include the fund value(s). The figures in 'Your summary' are only a guide based on the details you enter.

Your details

How do I find this?

Please note you can contribute up to your 75th birthday as long as you are a member of your main pension scheme

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Your summary


Your new estimated AVC fund value includes


Important information

  • The figures are for illustrative purposes only and are not guaranteed.
  • The figures assume 5% growth each year. The value of your fund can go down as well as up and you may not get back the amount you put in.
  • The figures assume annual management charges of 1% each year. Your charges may differ. Charges can vary in the future and may be higher than they are now.
  • The calculator does not take inflation into account which means that the purchasing power of your fund value will be reduced in the future.
  • The calculator does not take into account annual or lifetime allowances. Please read Important information about pensions allowances as the Government can change these allowances from time to time.
  • The tax you pay depends on your individual circumstances. HM Revenue & Customs tax rules may change in the future.

For more information on how AVCs could help boost your retirement income, please visit your AVC scheme website below.