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
How to use this Calculator Site tool
Enter your total pension contributions for this tax year and the previous three. Then, input your annual salary to check for tapering. The calculator will determine your available allowance, including any carry forward, and calculate any potential tax charge on excess contributions.
The pension annual allowance is the maximum amount of pension savings you can make in a single tax year that benefit from tax relief. For the 2026/27 tax year, the standard annual allowance is £60,000. This limit applies to the total contributions made by you and your employer. Our free UK pension calculator helps you stay on top of these rules.
If you don't use your full allowance, you can often carry forward the unused portion for up to three previous tax years. This is particularly useful if you are planning to make a large one-off contribution. This Calculator Site tool automatically factors in your carry forward options.
£60,000
Standard Allowance
£260,000
Tapering Threshold
£10,000
Minimum Tapered Allowance
Important Note on Tapered Annual Allowance
For high earners, the annual allowance may be reduced. If your 'adjusted income' is over £260,000, your allowance is 'tapered' down by £1 for every £2 of income over the threshold. This can reduce your allowance to as little as £10,000. Our calculator accounts for this tapering.
To get a complete picture of your retirement planning, you may find our other pension tools useful. The Pension Contribution Calculator helps you see how your contributions could grow. For a broader view, try the Take-Home Pay Calculator to see how pension contributions affect your net salary. For official annual allowance details, visit GOV.UK annual allowance guide.
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