Pension Contribution Calculator

Want to know how much of your salary is going into your pension — and what you’ll have by retirement? Enter your contributions and we’ll show you the tax relief you’re getting and a projection of your pot.

How to use this calculator

Enter your gross salary.
Set employee and employer contribution %.
Choose salary sacrifice or relief at source.
See tax relief, net cost, and projected pot growth.

Your details

Your contribution %

Employer contribution %

Contribution method

Growth rate % p.a.

Years to retirement

Scotland

Projected pension pot

£0

	Monthly	Annual
Your contribution	–	–
Employer contribution	–	–
Tax relief	–	–
Net cost to you	–	–
Total going into pension	–	–

Pension Contributions & Tax Relief Explained

Workplace pensions in the UK benefit from tax relief, meaning the government effectively tops up your contributions. The total minimum contribution under auto-enrolment is 8% of qualifying earnings (5% employee + 3% employer).

Salary Sacrifice vs Relief at Source

With salary sacrifice, your pension contribution is deducted before tax and NI, saving you both. With relief at source, basic rate tax relief is added automatically, but higher/additional rate taxpayers must claim the extra via Self Assessment.

Projected Pension Pot

This calculator estimates your pension pot at retirement based on your current contributions, expected investment growth rate, and years until retirement. Even small increases in contribution percentage can make a significant difference over 20–30 years due to compound growth.