Tools · UK Pensions
Annual Allowance Calculator
Calculate how much you can contribute to pensions tax-efficiently this year — including tapered allowance for high earners, carry-forward from the past three years, and the Money Purchase Annual Allowance.
Total income including employer pension contributions
Net income before pension contributions
Include employee and employer contributions
Previous years' contributions
Your Annual Allowance
£60,000
Standard
Carry-forward available£145,000
Total available this year£205,000
Current year contributions£20,000
Remaining headroom£185,000
This is a simplified calculator. Actual annual allowance calculations — particularly for DB schemes, carry-forward, and tapered allowance — require detailed pension input figures. Seek advice from a qualified pensions adviser before making large pension contributions.
Maximise your pension contributions
Our advisers can help you structure your contributions to make the most of carry-forward and avoid unnecessary tax charges.