Calculate workplace pension contributions on qualifying earnings (£6,240–£50,270): the 8% minimum split, tax relief at source and higher-rate top-up.
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Computes 2025/26 auto-enrolment contributions: eligibility (age 22 to State Pension age, earnings over £10,000), qualifying earnings between £6,240 and £50,270, the statutory 8% minimum (at least 3% employer), relief-at-source (you pay 80% of your gross contribution) and the extra relief higher-rate taxpayers can claim.
£30,000 salary, standard 5%/3% split: qualifying earnings £23,760 — employer pays £712.80, you pay £950.40 net (+£237.60 tax relief), £1,900.80 a year into the pension (£158.40/month).
Enter your annual salary and age.
Adjust the employee and employer percentages if your scheme is above the minimum.
Switch to full-salary basis if your scheme contributes from £1.
Read the annual and monthly contributions and your real net cost.
Last data update
July 5, 2026
Sources and references
GOV.UK — Workplace pensions (gov.uk/workplace-pensions); contributions (gov.uk/workplace-pensions/what-you-your-employer-and-the-government-pay); The Pensions Regulator thresholds.
The data in this calculator is updated regularly to reflect the latest official rates. When in doubt, consult the official sources listed above.
Workers aged 22 to State Pension age earning over £10,000 a year. Others can usually opt in — those earning above £6,240 still get employer contributions.
8% of qualifying earnings (£6,240–£50,270 in 2025/26), of which the employer must pay at least 3%. The employee's 5% includes 1% basic-rate tax relief.
With relief at source you pay 80p per £1 of contribution and the provider claims 20p from HMRC. Higher and additional-rate taxpayers reclaim a further 20–25% through Self Assessment.