Pension Contribution Calculator UK
Work out how much really goes into your UK pension each year. Enter your salary and contribution rates to see tax relief, your employer's contribution and your actual cost from take-home pay for 2025/26.
Calculator
What this means
When you pay into a pension you get tax relief at your highest rate of income tax, and a workplace pension usually adds an employer contribution on top. This means the total paid into your pension is more than the amount that leaves your take-home pay.
Frequently asked questions
The government tops up your pension contributions by the income tax you would otherwise have paid. Basic-rate taxpayers get 20% relief, higher-rate 40% and additional-rate 45%. Depending on your scheme, higher and additional-rate relief above the basic rate may need to be claimed through Self Assessment.
Under automatic enrolment, the minimum total contribution is 8% of qualifying earnings — at least 3% from your employer and the remaining 5% from you (including tax relief).
Most people can pay in up to £60,000 a year (or 100% of earnings if lower) across all pensions while still getting tax relief. High earners and those who have already accessed a pension may have a lower allowance.
Disclaimer
This calculator provides estimates for guidance only. It is not financial, pension or tax advice. Pension values can fall as well as rise. For personal guidance, use the free government-backed MoneyHelper service or speak to a regulated financial adviser.
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