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United Kingdom · tax year 2026/27 · estimate

UK Pension Calculator

Estimate your workplace or personal pension pot and add the new State Pension. Checks your contributions against the £60,000 annual allowance. An estimate only, not advice.

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Estimate

    Estimate only. Not financial, tax or legal advice. Nothing you type leaves your browser.

    Rules used · 2026/27

    Limits and rates in this calculator

    Checked Nov 2026. Rules change every year, so confirm against the official source before you act.

    Spotted something out of date? Use the report form below the FAQ.

    Figures

    • Annual allowance (incl. employer): £60,000
    • Full new State Pension: £241.30 a week (about £12,548 a year), 35 qualifying years
    • Minimum qualifying years: 10
    • Tax-free lump sum allowance: £268,275
    • Earliest private pension age: 55, rising to 57 from 6 April 2028
    • Auto-enrolment minimum: 8% of qualifying earnings, at least 3% from employer
    FAQ

    Frequently asked questions

    What is the UK pension annual allowance for 2026/27?

    It is £60,000 including employer contributions, tapering to £10,000 for very high adjusted incomes. You can carry forward unused allowance from the previous three tax years.

    How much is the full State Pension?

    The full new State Pension is £241.30 a week for 2026/27, about £12,548 a year, and needs 35 qualifying National Insurance years.

    When can I take my pension?

    The earliest age for most private pensions is 55, rising to 57 from 6 April 2028. The State Pension age is 67 for people born on or after 6 April 1960.

    Is this tax advice?

    No. It is an estimate based on the figures you enter. Check your own pension statements or speak to a regulated adviser.

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