Check pensionable pay
Some schemes use full basic pay; others use qualifying earnings or another definition. Copy the figure from your scheme or payslip instead of assuming the percentage applies to total salary.
Free private planning tool
What is actually going into your pension?
Put your scheme percentages side by side with the employer contribution and an explicit tax-relief assumption. Nothing is saved or submitted.
Use your scheme figures
Estimated annual pension input
£2,880
8.0% of the pensionable pay entered
- Your gross contribution
- £1,800
- Employer contribution
- £1,080
- Illustrative tax relief
- £360
- Illustrative take-home cost
- £1,440
Your payslip may differ. Net pay, relief at source and salary sacrifice work differently; National Insurance, adjusted income, annual allowance, tapering and benefit interactions are not modelled.
Check how relief is given
Relief at source, net pay and salary sacrifice change how the deduction appears. Higher-rate relief may require a claim, while salary sacrifice can affect other calculations.
Read next: workplace contributions explained or compare SIPP costs.