Current pension rules in the UK allow savers to contribute up to £60,000 per year or 100% of their annual earnings (whichever is lower).*
However, if you haven’t used your full allowance in the previous three tax years, you can ‘carry forward’ these allowances to increase your tax-free allowance in the current tax year. This can be a great way of maximising your tax-free savings allowances.
Not sure if this applies to you? Use our calculator to check how much of your annual allowance may still be available.
*The calculator uses tax rules valid until March 2026.
Carry forward allowance depends on your annual earnings. As a result, your calculation should be reviewed by a professional. To learn more about how carry forward allowances work, read our article.
How much did you contribute to your pension in the previous four years?
Include the total value of personal and employer contribution already made:
The total amount you could contribute this tax year is:
£xxxxxx
It is imperative that you speak to an adviser as the above result is illustrative only and there may be other circumstances which could impact this number.
To confirm your carry forward allowance, speak to one of our advisers free of charge.