Find your optimal SIPP contribution, see exactly how much HMRC subsidises it, and project your retirement pot across three growth scenarios.
Optimise my pensionIncluded in Starter (£7/mo) and Pro (£12/mo) plans.
For every £100 in your pension, HMRC contributes the difference.
Basic rate taxpayer
You pay £80
Pension receives £100
Higher rate taxpayer
You pay £60
Pension receives £100
Additional rate taxpayer
You pay £55
Pension receives £100
Illustrative — age 35, profits £55,000, contributing £500/month, retiring at 65.
Projections are illustrative. Past performance is not a guide to future returns. Confidence: MEDIUM. Source: ITTOIA 2005 s188.
A Self-Invested Personal Pension (SIPP) is a tax wrapper that lets you invest for retirement and claim tax relief on contributions. Unlike employees who get employer contributions, self-employed people must fund their own pension — a SIPP gives you full flexibility on where you invest.
You can contribute up to 100% of your UK earnings or £60,000 per year (the Annual Allowance for 2025/26), whichever is lower. High earners may have a tapered Annual Allowance reducing this limit.
Under current rules (subject to change) you can access your SIPP from age 57 (rising from 55 in 2028). You can take up to 25% as a tax-free lump sum; the remainder is taxed as income when withdrawn.
Company contributions avoid Employer NI (13.8%) and reduce Corporation Tax, making them highly tax-efficient. Personal contributions receive income tax relief but no NI advantage. FFCC's optimiser compares both routes for your situation.
Starter plan — £7/month, cancel anytime.
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