Workplace Pension Contribution Calculator
If you’re employed, your employer has likely signed you up for a workplace pension automatically. Our workplace pension contribution calculator can help you work out how much is being added to your pension.

Workplace Pension Contribution Calculator
A workplace pension is one of the simplest ways to save for your retirement. You and your employer both contribute to it, and the government sweetens the deal with tax relief to help your savings grow. Over time, these contributions accumulate into a pension pot that you can use once you retire.
Our Workplace Pension Contribution Calculator makes it easy to see how much money is going into your pension each month and year. Just enter your age, salary and contribution rates, and you can quickly find:
- How much you’re putting in.
- How much your employer is contributing.
- The total amount being invested for your future.
Having this information at your fingertips allows you to plan ahead and make smart decisions about your retirement savings. Whether you’re just kicking off your career or considering increasing your contributions, our calculator provides a clear view of how your pension is growing.
What is Workplace Pension?
A workplace pension is essentially a savings plan for your retirement, set up by your employer. You contribute a portion of your earnings to the scheme, your employer adds their share, and the government gives you extra through tax relief. These contributions are invested in various financial instruments such as stocks, bonds, and mutual funds, with the aim of growing the pension fund over time. All these contributions work together to help your pension pot grow more quickly, giving you greater financial security when you retire.
With our Pension Contribution Calculator, you can easily see how much is being added each month and year. Just input your age and salary, and you'll receive an instant, accurate result. This calculator is tailored for UK workplace pensions and adheres to the current auto-enrolment rules, ensuring that the figures reflect the actual amounts you and your employer are contributing. It’s a simple and efficient way to get an idea of your retirement savings and find how even small adjustments can lead to significant changes over time.
How Workplace Pension Contributions Work
In the UK, if you meet below criteria, you'll find yourself automatically enrolled in a pension scheme. This is known as auto-enrolment.
- you’re classed as a ‘worker’
- you’re aged between 22 and State Pension age
- you earn at least £10,000 per year
- you usually work in the UK
The contributions you and your employer make to your pension depend on a couple of factors:
- The type of workplace pension scheme you’re in
- Whether you’ve been automatically enrolled in a workplace pension or if you’ve chosen to join one voluntarily (known as ‘opted in’)
Typically, in most automatic enrollment schemes, your contributions are calculated from your total earnings between £6,240 and £50,270 annually before taxes. Your total earnings consist of:
- Your salary or wages
- Bonuses and commission
- Overtime pay
- Statutory sick pay
- Statutory maternity, paternity, or adoption pay
If you choose to join a workplace pension scheme voluntarily, your employer must contribute the minimum amount if you earn above:
- £520 per month
- £120 per week
- £480 over a span of 4 weeks
The employer is not obligated to contribute anything if you earn equal to or less than these amounts.
Pension Contribution Rates in the UK
For the 2025/26 tax year, the minimum total contribution stands at 8% of your qualifying earnings. This typically breaks down into:
- 5% from you, the employee, which includes the tax relief you get from the government.
- 3% from your employer, which goes straight into your pension pot.
While these minimum contribution rates are a great start for building your pension pot, putting in a little extra can really boost your retirement income. Just a small increase of 1–2% throughout your career can add up to thousands of pounds to your final pension fund, giving you more comfort and flexibility when you stop working.
How Does Our Workplace Pension Calculator Work?
Using our Workplace Pension Contribution Calculator is easy. Just follow these simple steps to get an accurate estimate of your contributions:
Step 1. Select Your Age
Choose whether your age is below 75. This ensures the calculator applies the correct rules for pension contributions.
Step 2. Choose Contribution Frequency
Select if you want to see your contributions calculated annually or monthly. This helps you understand how your contributions add up over different periods.
Step 3. Enter Your Annual Salary
Input your annual salary. This is the amount before any deductions.
Note:
- The calculator uses the minimum employee contribution rate of 5% including tax relief by the government.
- The calculator uses the minimum employer contribution rate of 3%.
Output Workplace Pension Contributions:
The calculator automatically shows:
- Qualifying Earnings: The portion of your income that qualifies for pension contributions under the current pension scheme regulations.
- Employee Contributions: The amount you will contribute at 5% of contribution rate.
- Employer Contributions: The amount your employer will contribute at 3% of contribution rate.
- Tax Relief: The tax benefit you receive on your contributions.
- Total Contributions: The combined total of employee and employer contributions. It reflects the total amount being invested in your pension scheme, which contributes to building your retirement savings over time.
Benefits of Using Our Pension Contribution Calculator
- Accurate Estimation of Your Pension Contributions: Get accurate calculations for both employee and employer contributions, so you can really understand how your pension savings are shaping up.
- Helps in Planning for Retirement: See how your contributions add up over time, helping you make informed decisions about your retirement planning.
- Easy to Use and Understand: The calculator is user-friendly and simple, requiring only basic information to provide results.
- Real-Time Results: You can instantly see your estimated contributions and tax relief, providing you with quick insights into your pension savings.
Using the calculator for pension contributions is essential for understanding how much you and your employer are putting into your pension. It helps you see how much you’re saving, how your savings will grow, and what changes you can make to reach your retirement goals. By keeping an eye on your contributions, you can make smart choices about boosting your payments, adjusting your budget, and working towards the retirement lifestyle you want.
Regularly using our Workplace Pension Contribution Calculator helps you stay on top of your progress and ensures your savings remain on track. It’s a quick and easy habit that can truly shape your financial future for the better.
Ready to take control of your retirement planning? Try our workplace pension calculator UK today and take charge of your retirement savings. For more personalised advice, get help from our small business accountants.
FAQs on Workplace Pension Calculator UK:
What is a workplace pension?
A workplace pension is a retirement savings plan arranged by your employer. Both you and your employer contribute to this pension, along with government tax relief.
How are workplace pension contributions calculated?
Workplace pension contributions are calculated based on your qualifying earnings, which typically include your salary and bonuses. The minimum contribution rates are 3% for employer and 5% for employee.
Can I change my contribution rate?
Yes, you can increase your contribution percentage if you want to save more for retirement.
What happens if I change jobs?
If you change jobs, you can transfer your pension pot to your new employer’s pension scheme or leave it in your old employer’s scheme until you retire.
What happens if I stop contributing to my pension?
If you stop contributing, your employer’s contributions will also stop. However, the money already in your pension pot will remain invested and continue to grow until you retire.
What is the minimum workplace pension contribution in the UK?
The minimum workplace pension contribution in the UK is 8% of qualifying earnings, with 5% from the employee (including tax relief) and 3% from the employer.
Do I have to join my employer’s pension scheme?
If you meet the auto-enrolment criteria, your employer will add you to the pension scheme, but you can choose to opt out if you do not want to take part.
Does my employer have to contribute?
Yes, if you are enrolled in a workplace pension, your employer must contribute at least 3% of your qualifying earnings each month.