Pension Contribution Tax Relief
Work out the tax relief on a personal pension contribution, the net cost to you, and whether it exceeds the £60,000 Annual Allowance (2025/26).
Daten geprüft · Juli 2026
Do I need to claim basic-rate relief myself?
No — basic-rate relief (20%) is normally added automatically by the pension provider (relief at source). Only the additional relief above 20% for higher and additional-rate taxpayers needs to be claimed via Self Assessment.
Quelle: HMRC — Tax on your private pension contributions (gov.uk/tax-on-your-private-pension); Finance Act 2004 Part 4, 2025/26. · aktualisiert 2026
🧮
Fuellen Sie die Felder aus, um Ergebnisse in Echtzeit zu sehen
Gefaellt Ihnen dieser Rechner?
Erstellen Sie ein kostenloses Konto, um Ihre Berechnungen zu speichern, auf den Verlauf zuzugreifen und als PDF zu exportieren. Upgraden Sie auf Pro fuer alle 319 Rechner.
Eine Frage zu diesem Ergebnis?
Stellen Sie sie Solva, dem KI-Finanzberater von ActioFin — Antworten mit Quellen aus offiziellen Texten.
5 kostenlose Fragen pro Tag mit einem kostenlosen Konto
Alles über Pension Contribution Tax Relief
📋Überblick+
Basic-rate relief (20%) is normally given at source by the pension provider: a £100 gross contribution costs you £80 up front. Higher-rate (40%) and additional-rate (45%) taxpayers must claim the extra relief above basic rate via Self Assessment. The Annual Allowance is £60,000 for 2025/26 (personal plus employer contributions combined), tapered for high earners with adjusted income above £260,000.
💡 Bewährte Vorgehensweisen
- Higher and additional-rate taxpayers must actively claim the extra relief above basic rate through Self Assessment — it isn't automatic.
- If your adjusted income is above £260,000, your Annual Allowance may be tapered down to as low as £10,000 — check with an adviser.
- Unused Annual Allowance from the previous three tax years can sometimes be carried forward if you have unused relief.
🔢 Konkretes Beispiel
£80,000 salary, £10,000 gross personal contribution, 40% marginal rate: £4,000 total tax relief, so the contribution costs you £6,000 net.
📖Anleitung+
So verwenden Sie diesen Rechner
- 1
Enter your gross salary and your marginal income tax rate.
- 2
Enter your personal pension contribution (gross amount) and any employer contribution.
- 3
Read the tax relief breakdown and net cost to you.
- 4
Check the Annual Allowance and taper warnings if your income is high.
📚Glossar+
- Relief at source
- The mechanism where basic-rate tax relief (20%) is added directly to your pension contribution by the provider, without you having to claim it.
- Annual Allowance
- The maximum combined personal and employer pension contribution (£60,000 for 2025/26) that can benefit from tax relief each year before an Annual Allowance charge may apply.
ℹ️Quellen & Aktualisierung+
Letzte Datenaktualisierung
7. Juli 2026
Quellen und Referenzen
HMRC — Tax on your private pension contributions (gov.uk/tax-on-your-private-pension); Finance Act 2004 Part 4, 2025/26.
Die Daten dieses Rechners werden regelmäßig aktualisiert, um die neuesten offiziellen Sätze abzubilden. Im Zweifel konsultieren Sie die oben genannten offiziellen Quellen.
FAQ — Pension Contribution Tax Relief
Do I need to claim basic-rate relief myself?+
No — basic-rate relief (20%) is normally added automatically by the pension provider (relief at source). Only the additional relief above 20% for higher and additional-rate taxpayers needs to be claimed via Self Assessment.
What happens if I exceed the Annual Allowance?+
Contributions above the £60,000 Annual Allowance (or your tapered allowance if you're a high earner) may trigger an Annual Allowance charge, effectively clawing back the tax relief on the excess.