UK Pension Tax Relief Calculator 2026/27
See how much tax relief you get on UK pension contributions in 2026/27 — relief at source (SIPP/personal pension), net pay or salary sacrifice — including the extra higher-rate relief to claim and the 60% trap above £100,000.
Estimates only — not tax advice. Tax rules change and depend on your situation; check with the tax authority or a tax professional.
How to use
- 1Enter your income and where you live.
- 2Enter the amount you'll put in (what leaves your bank or payslip) and the pension type.
- 3See the total going into your pension and what it really costs you.
How it's calculated
Relief = income tax (and, for salary sacrifice, NI) with no contribution − with the contribution. Relief at source: you pay 80%, the provider adds 20%; higher/additional-rate relief is claimed through Self Assessment by extending your bands.
Frequently asked questions
How do I claim higher-rate relief on a SIPP?
Through your Self Assessment return (or by contacting HMRC if you don't file one). The provider only adds basic-rate relief automatically.
How much can I pay in with tax relief?
Up to 100% of your UK earnings, capped by the £60,000 annual allowance (less if your income is over £260,000 or you've drawn taxable pension income). Non-earners can pay £2,880 net (£3,600 gross).
What's the 60% trap?
Between £100,000 and £125,140 you lose the personal allowance. Pension contributions that bring you below £100,000 get about 60% relief.