# Pension Calculator UK

> UK pension calculators with current rates: State Pension forecast at £241.30/week 2026/27, auto-enrolment 5%+3%, SIPP allowance £60k + carry-forward, taper for high earners, 25% tax-free lump sum, NI top-up, replacement ratio and DB CETV.

## Calculators

- [UK Pension Calculator](https://www.pensioncalculator.org.uk/) — UK pension calculators with 2026/27 rates: State Pension forecast £241.30/week, auto-enrolment, SIPP allowance £60k, taper, 25% lump sum, NI top-up, DB CETV.
- [UK Auto-Enrolment Pension Calculator](https://www.pensioncalculator.org.uk/auto-enrolment/) — UK auto-enrolment pension: 5% employee + 3% employer on qualifying earnings (£6,240 to £50,270 in 2026/27).
- [UK Pension Tax Relief Calculator](https://www.pensioncalculator.org.uk/tax-relief/) — UK pension contribution tax relief: 20% basic rate at source, plus higher/additional rate via self-assessment.
- [UK SIPP Annual Allowance + Carry Forward](https://www.pensioncalculator.org.uk/sipp-allowance/) — UK pension annual allowance £60,000 + carry forward of unused allowance from previous 3 years.
- [UK Pension Taper Calculator](https://www.pensioncalculator.org.uk/taper/) — High-earner UK pension taper: above £260k adjusted income, the £60k allowance reduces £1 per £2, floor £10k.
- [UK NI Top-Up Calculator](https://www.pensioncalculator.org.uk/ni-top-up/) — Buy back NI gap years with Class 3 voluntary contributions: ~£907/year cost, increases State Pension by ~£342/year.
- [UK Pension 25% Tax-Free Lump Sum](https://www.pensioncalculator.org.uk/lump-sum-25/) — Take 25% of your pension tax-free at access age (currently 55, rising to 57 from 2028). Cap: £268,275.
- [UK Retirement Income as % of Final Salary](https://www.pensioncalculator.org.uk/replacement-ratio/) — Pension replacement ratio: retirement income as a % of final salary. Common UK targets 50-70%.
- [UK DB Pension Transfer Value (CETV)](https://www.pensioncalculator.org.uk/db-cetv/) — Defined benefit pension transfer value (CETV) typically 20-30× annual pension. Educational tool.