Pension annual allowance calculator UK 2026/27
Estimate the 2026/27 standard or tapered pension annual allowance. Enter HMRC-defined income and pension input amounts to see remaining room or excess.
Enter your figures
Modelled annual allowance
Inputs changed. Select Calculate result to update your estimate.
2026/27 annual allowance model. Use HMRC-defined threshold/adjusted income, not just salary. Total input includes employer contributions and defined-benefit growth. Excludes carry-forward, money purchase annual allowance and special cases. The result is excess input, not the tax charge or personal earnings-based relief limit.
How the pension annual allowance calculator uk 2026/27 works
Start at £60,000. If threshold income exceeds £200,000 and adjusted income exceeds £260,000, reduce by £1 per £2 excess (whole pounds), with a £10,000 floor.
UK data and rules
2026/27 data · Checked 16 October 2026. Rules are a dated snapshot, not a live feed.
Read about data coverage and updates
Worked example: pension annual allowance
This illustration uses the calculator’s example inputs. It is not a quote or a recommended financial decision.
- Threshold income (£)
- 180,000
- Adjusted income (£)
- 220,000
- Total pension input amount (£)
- 20,000
Modelled annual allowance: £60,000.00
Start at £60,000. If threshold income exceeds £200,000 and adjusted income exceeds £260,000, reduce by £1 per £2 excess (whole pounds), with a £10,000 floor.
Pension annual allowance: questions answered
Is my pension annual allowance based only on salary?
No. The taper uses defined threshold income and adjusted income, while pension input includes employer contributions and defined-benefit growth. Carry-forward and the money purchase annual allowance are outside this model.
Using your result
Example inputs are a starting point. Replace them with your figures and select Calculate result. Results are rounded for display; calculations use unrounded values.
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