Check if your pension contributions exceed the annual allowance and calculate any tax charge.
Available Allowance
£165,000
Within allowance
Annual Allowance
£60,000
Carry Forward Y1
£30,000
Carry Forward Y2
£35,000
Carry Forward Y3
£40,000
Tax Charge
£0
The pension annual allowance limits how much you can save into pensions with tax relief each year. Understanding carry forward rules and the tapered allowance can help you maximise your pension contributions.
Planning for retirement early gives your money more time to grow. You may also find our Pension Contribution Calculator useful for related calculations.
For a broader view of your finances, try the Pension Contribution Impact Calculator or the Take-Home Pay Calculator. All of our calculators are free to use and updated for the 2026/27 tax year where applicable.
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