Contributions calculator

Your contributions

You can use the modeller below to see a breakdown of the contributions you and the Company make towards your pension.

You can also use it to see the impact of increasing your contribution rate. With tax and National Insurance relief, it may cost you less than you think!

And don't forget, if you're currently paying less than 7%, the Company will also pay extra into your pension pot!

Salary (£s)

Your Contribution rate including Additional Voluntary Contributions (%)

Contributions over 7% are classed as Additional Voluntary Contributions (AVCs).

Are you in Pension Saver? Yes No

The total monthly contribution to your pension

The monthly cost to you

Breakdown of contributions

	Employer contribution
	Your contribution
	Cost to you
	Tax relief
	National Insurance relief
	Total

Please note: National Insurance relief only applies to members who pay National Insurance. This calculator assumes members will pay National Insurance but not all will, so please check your personal circumstances.

The calculator covers the marginal income tax bands for 2024/25 in England, Wales and Northern Ireland (20% basic rate, 40% higher rate and 45% additional rate) - different tax rates will apply to you if you live in Scotland. For 2024/25, the Personal Allowance is £12,570.