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).
Données vérifiées · July 2026
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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.
£80,000 salary, £10,000 gross personal contribution, 40% marginal rate: £4,000 total tax relief, so the contribution costs you £6,000 net.
Enter your gross salary and your marginal income tax rate.
Enter your personal pension contribution (gross amount) and any employer contribution.
Read the tax relief breakdown and net cost to you.
Check the Annual Allowance and taper warnings if your income is high.
Last data update
July 7, 2026
Sources and references
HMRC — Tax on your private pension contributions (gov.uk/tax-on-your-private-pension); Finance Act 2004 Part 4, 2025/26.
The data in this calculator is updated regularly to reflect the latest official rates. When in doubt, consult the official sources listed above.
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.
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.