Frequently Asked Questions

Common questions about UK pension contributions, tax relief, and our calculator.

What is this pension calculator?

A free tool that calculates your UK pension contributions, tax relief, employer matching, and annual allowance impact using official 2025/26 HMRC rates.

How accurate is it?

Calculations use current HMRC tax bands, NI rates, and pension allowance thresholds. Results are estimates — your actual figures may vary based on individual circumstances.

Is my data private?

Yes. All calculations run entirely in your browser. No salary or personal data is sent to any server.

What is the annual allowance?

The annual allowance is the maximum amount you can contribute to pensions each tax year while still receiving tax relief — currently £60,000 for 2025/26. High earners with adjusted income above £260,000 have a tapered allowance as low as £10,000.

How does pension tax relief work?

When you contribute to a pension, the government adds tax relief at your marginal rate: 20% for basic rate taxpayers, 40% for higher rate, and 45% for additional rate. With salary sacrifice, you also save on National Insurance contributions.

Can I export results?

Yes — you can export your calculation results as a PDF or share them via a link.