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Pension tax relief calculator

Enter your yearly income and your personal pension contributions. The calculator estimates the tax relief at your income tax rate: basic-rate relief your pension provider adds, and any higher-rate relief that is included through your Self Assessment tax return. Estimates only.

Tax year 2025/26 rates. Updated October 2026. Estimates only.

Calculate your pension tax relief

An estimate based on 2025/26 tax rules

Total pay for the 2025/26 tax year, before tax.

The full amount going into the pension in the year, before basic rate relief is added.

Estimated tax relief

Enter your income and the amount you would like to contribute to see an estimate.

This calculator is not personal advice and does not confirm whether you are eligible or how much you can pay into a pension. Results are a guide based on 2025/26 tax rules and do not cover every situation. Tax rules can change and the relief you receive will depend on your circumstances. Contributions over your annual allowance could trigger a tax charge. Your annual allowance may be reduced if you are a high earner or have taken flexible pension benefits.

How it works

  1. 1Add your total income for the tax year.
  2. 2Add what you paid into personal pensions (relief at source, for example a SIPP).
  3. 3See the estimated relief at basic rate and at your higher rate.
  4. 4Higher and additional rate relief is included through Self Assessment. We prepare and file it for you.
Get startedor talk to us

Questions

What is relief at source?
Your pension provider adds basic-rate relief (20%) to your personal contributions. If you pay tax at a higher rate, the extra relief is included through your Self Assessment tax return.
Is there a limit?
Relief is usually available on contributions up to your earnings for the year, within the annual allowance of £60,000. Anyone can get relief on contributions up to £3,600 gross.
Is the result exact?
No. It is an estimate based on the figures you enter. Your accountant confirms the figures when preparing your tax return.
Can you include it in my return?
Yes. Higher-rate pension relief is part of our Self Assessment service: press Get started and an accountant takes it from there.

Get an accountant to file it

An ACCA accountant checks your figures, prepares your tax return and files it with HMRC. You approve it first.

Get startedor talk to us

From £99 + VAT. 37.5% + VAT of the tax relief we secure, minimum £99 + VAT. Nothing to pay upfront.