Calculate the tax relief you could receive on your personal pension contributions, helping you understand the true cost and benefits.
Here's a breakdown of your pension contribution and the tax relief you could receive:
Entered contribution:
£0 (0)
Effective gross contribution:
£0
Basic-rate relief (provided at source or entitlement):
Additional tax relief (reclaimable for higher/additional rate taxpayers):
Total tax relief (basic + additional):
Net cost to you after tax relief:
Values shown assume 100% of contribution qualifies for relief.
As a higher-rate taxpayer, you can claim £0 back via your self-assessment or by contacting HMRC / your pension provider.
Personal pension tax relief boosts your contributions by reclaiming tax paid on your earnings, effectively making your savings go further. This calculator helps estimate the total relief you could receive.
The core formula for calculating total tax relief on personal pension contributions is: total_relief = gross_contrib × basic_rate + gross_contrib × (marginal_rate - basic_rate).
total_relief = gross_contrib × basic_rate + gross_contrib × (marginal_rate - basic_rate)
Let's illustrate with an example: an individual earning £65,000 annually contributes £800 net to their pension.
This example demonstrates how the calculator determines your total tax relief, combining basic and higher/additional rate benefits.
Relief at source is a method where your pension provider claims basic rate tax relief directly from HMRC and adds it to your pension pot.
Generally, you can still get basic rate tax relief on contributions up to £2,880 net (£3,600 gross) even if you don't pay tax.
The annual allowance is the maximum amount you can contribute to your pension each tax year and still receive tax relief, currently £60,000 for most people.
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