Estimate UK pension contribution tax relief with the £60k Annual Allowance, tapering and marginal-rate relief.
Données vérifiées · May 2026
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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.
Enter the personal pension contribution.
Add any employer contribution and your marginal tax rate.
Enter adjusted income to test the taper.
Read the total tax relief and effective cost.
Last data update
May 21, 2026
Sources and references
HMRC pension tax relief (gov.uk/tax-on-your-private-pension); Finance (No.2) Act 2023.
The data in this calculator is updated regularly to reflect the latest official rates. When in doubt, consult the official sources listed above.
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.