Workplace Pension Calculator
You + employer contributions and real costRuns in your browser
| Per month | Per year | |
|---|---|---|
| Your contribution (gross) | £99.00 | £1,188.00 |
| …of which tax / NI relief | £19.80 | £237.60 |
| …of which comes off your take-home | £79.20 | £950.40 |
| Employer contribution | £59.40 | £712.80 |
| Total into your pension | £158.40 | £1,900.80 |
This meets the auto-enrolment minimum (8% of qualifying earnings in total, at least 3% from the employer).
These are estimates based on 2026/27 rates and the inputs you give. Your actual position can differ (other income, benefits in kind, tax code changes, scheme rules). This is not financial or tax advice.
How it works
Worked example
Input: £30,000 salary, 5% employee / 3% employer on qualifying earnings, relief at source.
- Qualifying earnings: £30,000 − £6,240 = £23,760.
- Yours: 5% = £1,188 (you pay £950.40, £237.60 is tax relief).
- Employer: 3% = £712.80.
Result: £1,900.80 a year (£158.40 a month) into your pension for £79.20 a month from take-home.
How to use
- 1Enter your salary and the employee and employer percentages.
- 2Choose qualifying earnings or whole salary, and how you pay in.
- 3See what goes into your pension each month and the real cost to you.
FAQ
What are the auto-enrolment minimums?
8% of qualifying earnings (£6,240 to £50,270) in total, of which at least 3% must come from the employer. Usually that's 5% from you (including tax relief) and 3% from your employer.
Why does my 5% cost me less than 5%?
Tax relief: with relief at source or a net pay arrangement, £100 into your pension costs a basic-rate taxpayer £80. With salary sacrifice you save National Insurance too.
Who gets auto-enrolled?
Workers aged 22 to State Pension age earning over £10,000 a year. You can opt out, but you'd lose your employer's contributions.