Pension Calculator UK

UK Auto-Enrolment Pension Calculator

Statutory minimum 5% employee + 3% employer on qualifying earnings (the band £6,240 to £50,270 in 2026/27).

Enter values above to calculate.

All UK employers must offer auto-enrolment. Employees auto-enrolled (with opt-out) from age 22 to State Pension age, earning over £10,000/year.

Worked examples
£35k salary: qualifying earnings £28,760. Employee 5% = £1,438. Employer 3% = £863.
£50k+ salary: qualifying earnings capped at £44,030. Employee max £2,202.
Related: Tax relief SIPP allowance State Pension forecast
Sources: The Pensions Regulator · retrieved 2026-05-14.

Frequently asked questions

Can I opt out?
Yes — within a 1-month window you get full refund. After that, you stay opted in but can leave any time (no refund of past contributions).
Should I opt out?
Almost never. Employer contributions are 'free money' you can't get any other way. Plus tax relief.
Can I pay more than 5%?
Yes. Many schemes allow up to 100% of salary (capped by annual allowance £60k). Employer contribution is usually fixed at 3% even if you contribute more.