Pension Tax Relief Calculator
See how much tax relief you get on pension contributions
- Enter the amount you pay into your pension (or gross amount for net pay)
- Select your tax band based on your total income
- Choose your relief type (check your payslip or ask your pension provider)
- View how much tax relief you receive and what the pension actually costs you
The calculator shows automatic tax relief and any additional relief higher/additional rate taxpayers need to claim separately.
How does pension tax relief work?
The government adds tax relief to pension contributions at your marginal tax rate. This makes pensions one of the most tax-efficient ways to save. Basic rate taxpayers get 20%, higher rate get 40%, and additional rate get 45%.
What's the difference between relief at source and net pay?
Relief at source: You pay 80% of the contribution, and your pension provider claims 20% from HMRC. Net pay: The full contribution is taken before tax, giving immediate relief at your marginal rate.
Do I need to claim higher rate relief?
With relief at source, yes - higher and additional rate taxpayers must claim extra relief through Self Assessment or by contacting HMRC. With net pay, you get full relief automatically.
Is there a limit to pension tax relief?
The annual allowance is £60,000 (2024/25) including employer contributions. This may be tapered to £10,000 if your adjusted income exceeds £260,000. You can't get relief on more than 100% of your earnings.
Can I still get tax relief if I'm not working?
Non-earners can contribute up to £2,880 per year and receive £720 tax relief (20%), giving a gross contribution of £3,600. This is useful for stay-at-home parents or retired people under 75.