UK Pension Contribution Calculator

Calculate your pension contributions, tax relief, and employer matching. Plan your retirement savings with confidence using our free, accurate, up-to-date calculator for the 2025/26 tax year.

How It Works

1. Enter Your Details: Input your salary, pension contribution rate, and employer matching.
2. See Results: View your tax relief, take-home pay impact, and total pension contribution.
3. Check Allowances: Get warnings if you approach or exceed the annual or tapered allowance.

Key Features

• Accurate Tax Relief: Calculations based on 2025/26 HMRC rates and thresholds.
• Annual Allowance Tracking: Automatic checks for the £60,000 annual allowance and tapered allowance.
• Employer Matching: See how employer contributions boost your pension pot.
• Salary Sacrifice: Compare standard contributions vs salary sacrifice arrangements.
• Private & Secure: All calculations run in your browser — no data sent to any server.

Explore Guides & Scenarios

• Pension Contribution Guides — Expert advice on maximising your pension.
• Real-World Scenarios — See examples from £18k to £250k+ salaries.
• FAQ — Common questions about UK pension contributions.