Pension tax relief calculator
Compare what reaches the pension with the personal cost under different contribution methods.
Loading contribution calculator…
Understand the calculation
Is provider-added tax relief cash paid back to me?
No. Under relief at source, basic relief is credited to the pension. Your personal cost starts with the payment you made, less any additional income-tax relief available through a valid claim. Provider relief is not deducted from that payment a second time.
How do net pay and salary sacrifice differ?
Net-pay pension contributions reduce income subject to tax, but do not reduce the NI earnings basis. Salary sacrifice exchanges salary for an employer pension contribution and can also reduce NI. Employer availability, minimum-wage rules and salary-linked benefits need separate checks.
Does this check my annual allowance?
No. Other contributions, employer payments, defined benefit growth, MPAA, taper and carry-forward conditions can affect your position. The displayed cost excludes any allowance tax charge and does not establish that a contribution qualifies for relief.
Can Scottish taxpayers use this result?
The current model uses England, Wales and Northern Ireland income-tax bands. It does not calculate Scottish income tax. Check the Scottish treatment with HMRC or your scheme rather than treating this result as a Scottish estimate.