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UK Calculators

Pension Tax Relief Calculator

Estimate relief-at-source pension top-ups and additional Income Tax relief for 2026/27.

Last reviewed · Tax year 2026/27· Rate set: pension-relief-2026-27

Pension Tax Relief Calculator

Estimated total tax relief

£3,946.00

Gross pension contribution£10,000.00
Provider top-up£2,000.00
Further tax relief£1,946.00
Effective personal cost£6,054.00

Reading the result

Assumes a UK resident under 75 with only relevant earned income, standard allowances and no other pension contributions. Select Scotland for Scottish non-savings bands.

How it works

A net contribution is grossed up using basic-rate relief. We extend income-tax bands by the gross contribution and reduce adjusted net income to estimate additional relief.

Worked examples

Worked example

Net contribution you pay (£): 8000; Annual relevant earnings (£): 60000; Tax region: England, Wales or Northern Ireland

  1. A net contribution is grossed up using basic-rate relief. We extend income-tax bands by the gross contribution and reduce adjusted net income to estimate additional relief.
  2. Gross pension contribution: £10,000.00
  3. Provider top-up: £2,000.00
  4. Further tax relief: £1,946.00
  5. Effective personal cost: £6,054.00

Estimated total tax relief: £3,946.00

Assumptions

The result depends on the following. If any of them do not match your situation, treat the figure as indicative only.

  • Assumes a UK resident under 75 with only relevant earned income, standard allowances and no other pension contributions. Select Scotland for Scottish non-savings bands.

What this calculator does not do

  • Not salary sacrifice or a net-pay scheme. Annual allowance, taper, money purchase annual allowance, carry-forward and charges are excluded; this is not a contribution-limit recommendation.
  • Rates are reviewed published figures, not a live feed. This estimate is not tax or financial advice.

Methodology

A net contribution is grossed up using basic-rate relief. We extend income-tax bands by the gross contribution and reduce adjusted net income to estimate additional relief.

Inputs are processed locally. Displayed amounts are rounded; the calculation retains precision.

Sources

Frequently asked questions

Is all the relief paid into my pension?

Basic relief is added by the provider. Additional relief generally reduces your own Income Tax bill and may need to be claimed.

Can non-taxpayers receive relief?

Eligible people can receive basic relief within the non-earner limit, subject to age and residency rules. This model rejects gross contributions above the higher of earnings or that limit.

Please note: Results are estimates for general information only and are not financial, tax or legal advice. Figures depend on the assumptions listed on each page and on your personal circumstances.

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