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Pensions & retirement · 2026/27

Pension tax-free lump sum calculator UK

Estimate the ordinary 25% tax-free cash amount within confirmed remaining lump sum allowance. Check the formula, worked example and limits before using your own figures.

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Your estimate

Modelled tax-free lump sum

£25,000.00
Remaining pension value£75,000.00
Unused entered allowance£243,275.00

Use your actual figures. Any prefilled price, fee, rate or return is an editable illustration, not a current product quote. Ordinary unprotected case only. The usual total lump sum allowance is £268,275, but prior benefits and protections can change the remaining amount. Does not determine access age, benefit crystallisation rights or MPAA effects.

How the pension tax-free lump sum calculator uk works

Modelled tax-free cash = min(25% of the entered pension value, confirmed remaining allowance).

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 tax-free lump sum

This illustration uses the calculator’s example inputs. It is not a quote or a recommended financial decision.

Pension value being crystallised (£)
100,000
Confirmed remaining lump sum allowance (£)
268,275

Modelled tax-free lump sum: £25,000.00

Modelled tax-free cash = min(25% of the entered pension value, confirmed remaining allowance).

Pension tax-free lump sum: questions answered

What does the pension tax-free lump sum calculation include?

Modelled tax-free cash = min(25% of the entered pension value, confirmed remaining allowance). Use your actual figures. Any prefilled price, fee, rate or return is an editable illustration, not a current product quote. Ordinary unprotected case only. The usual total lump sum allowance is £268,275, but prior benefits and protections can change the remaining amount. Does not determine access age, benefit crystallisation rights or MPAA effects.

Plan the next step

Pension annual allowance calculator UK 2026/27: Estimate the standard or tapered pension input allowance.

Pension tax relief calculator: basic-rate top-up: Convert a personal pension payment into its gross contribution.

Browse the pensions & retirement calculators for more tools in this topic.

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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