How much can you pay into your pension this year?
Most people can pay up to £60,000 a year into pensions with tax relief. See how much room you have left.
Your answer
Enter your earnings to see how much more you can pay in.
About this calculator
For anyone planning a pension payment, especially a large one before the end of the tax year. It counts what you and your employer pay in.
What happens to your answers
We don’t keep them. Your answers go to our server to do the sums and aren’t stored or logged. If you copy a link to your answers, they’re in the link itself, so only share it with people you trust.
How it’s worked out
The yearly limit is £60,000, counting your payments and your employer's. Above £260,000 of income it falls by £1 for every £2, to no less than £10,000. Once you've taken money flexibly from a pension pot, the limit for most pensions is £10,000. You can add unused allowance from the last 3 years. You only get tax relief on your own payments up to your earnings.
Worked example
You can pay up to £51,000 more into pensions this tax year.
2026/27 tax year · income £90,000
| Yearly pension allowance | £60,000 |
|---|---|
| Your limit this year | £60,000 |
| Already paid in this year (you and your employer) | − £9,000 |
| Room left this year | £51,000 |
| Of which you can pay with tax relief (up to your earnings) | £51,000 |
Worked out using HMRC's published rates for the 2026/27 tax year (6 April 2026 to 5 April 2027), on a yearly basis.
Questions people ask
What happens if I go over?
You pay a tax charge on the excess, at your highest rate of income tax, through your tax return.
Does my employer's payment count?
Yes. Everything paid in for you counts towards the limit.
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