Calculator

Pension Contribution Tracker

Project your pension pot to retirement and see the tax relief a SIPP or workplace pension adds on top.

Your details

Current ageProjection runs to age 67, an illustrative target age, not a personalised State Pension date.Current pot value (optional)

Your contribution per yearThe net amount that actually leaves your bank account.

Assumed annual growth

Where you’re contributing

SIPPSelf-invested personal pension — relief added by the provider, more reclaimed via Self Assessment if you’re higher/additional rate.Workplace pension (relief at source)Only for schemes adding basic-rate relief to a net payment. Excludes net-pay and salary-sacrifice schemes.ISANo pension tax relief, but the money stays accessible any time — shown here for comparison.

Your tax band

Assumes contributions qualify for relief at the selected rate in full, with enough relevant earnings and tax paid. Scottish relief rates, employer contributions, pension withdrawal tax, inflation and charges are not modelled. Growth is an assumed non-negative rate, not a forecast.

How this is worked out

For every £80 you pay into a SIPP or workplace pension, the provider adds £20 of basic-rate relief automatically — so your £80 becomes a £100 gross contribution. Higher-rate taxpayers can reclaim a further 20% (up to £20 more), and additional-rate taxpayers a further 25%, both via Self Assessment.

ISA contributions get no pension tax relief — what you pay in is what goes in — but the money stays accessible at any time, unlike a pension, which is normally locked until age 55 (rising to 57 from 2028).

The projection compounds your current pot and gross annual contribution at a constant assumed growth rate to age 67. Real returns vary year to year and this isn’t a forecast of actual future performance.

The standard annual allowance is £60,000 for 2026/27, covering your contributions, your employer’s, and tax relief combined, across all your pensions. It tapers down to £10,000 for adjusted income above £260,000, and unused allowance can be carried forward up to three years. See our pension annual allowance guide for the full rules.

Before using this estimate

A projection, not a guaranteed return. Check earnings-based tax-relief limits, annual allowance, threshold/adjusted income, carry-forward and MPAA separately.

Check the source guidance

Related guides

Embed this calculator on your site

You can embed this calculator on your own website with the iframe snippet below. It works on any HTML page, blog or CMS. We ask that you keep the “Powered by RichQuid” link visible — no other restrictions.

Educational only. Not personal financial advice. Tax-year figures may change; check periodically.

<iframe
  src="https://www.richquid.co.uk/embed/pension-contribution-tracker"
  width="100%"
  height="1100"
  frameborder="0"
  style="border:none;max-width:800px;width:100%;"
  loading="lazy"
  title="Pension Contribution Tracker — calculator by RichQuid">
</iframe>

Height defaults to 1100px — adjust to fit your layout. The iframe is fully responsive within an 800px max-width container.

← All calculators

Tax year 2026/27 · Tax and loan constants checked 16 September 2026 · Educational only, not personal financial advice