About PensionTaxReliefCalculator.co.uk

PensionTaxReliefCalculator.co.uk is a free, independent tool for estimating UK pension tax relief for the 2026/27 tax year.

The calculator helps UK taxpayers understand how much pension tax relief they are entitled to under relief at source, net pay arrangements and salary sacrifice — and what the real net cost of their pension contribution is after relief.

What it does

Enter your gross income, pension contribution amount and contribution method. The calculator estimates:

• Basic rate relief (20%)
• Extra higher rate relief (40% or 45%) for eligible taxpayers
• Employee and employer NI savings for salary sacrifice
• Effective net cost and monthly cost of your contribution

Scottish taxpayers can select their region to apply the correct Scottish income tax rates.

Part of the UK Money Calculators network

This tool is part of a network of free UK tax and finance calculators, including:

• AfterTaxSalary.co.uk — take-home pay calculator
• UKSalarySacrificeCalculator.co.uk — salary sacrifice savings
• EmployerCalculator.co.uk — total employer cost
• UKCapitalGainsTaxCalculator.co.uk — CGT estimates

Disclaimer

All results are estimates based on published HMRC rates and thresholds. This tool is not financial or tax advice. Always consult a qualified financial adviser or HMRC for personalised guidance.