Estimate UK pension contribution tax relief with the £60k Annual Allowance, tapering and marginal-rate relief.
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Calculates the tax relief on UK pension contributions for 2025/26: 20% at source plus higher/additional-rate relief via Self Assessment, against the £60,000 Annual Allowance (tapered above £260,000 adjusted income to a £10,000 floor).
A higher-rate taxpayer making a £10,000 gross personal pension contribution: £2,000 is basic-rate relief at source (you pay £8,000 net), and a further £2,000 (20%) is reclaimed via Self Assessment — total relief £4,000, a net cost of £6,000 for £10,000 in the pension.
Relief is given at your marginal rate: 20% is added at source, and higher-rate (40%) or additional-rate (45%) taxpayers claim the extra 20-25% through Self Assessment.
£60,000 of tax-relieved contributions, including employer contributions. Contributions above the allowance can trigger an Annual Allowance charge.
For high earners, the allowance reduces by £1 for every £2 of adjusted income above £260,000, down to a £10,000 minimum.
Yes. You can carry forward unused Annual Allowance from the previous three tax years, provided you were a member of a registered pension scheme in those years.