What is the statutory minimum contribution rate?

The total legal minimum is 8% of qualifying earnings: at least 3% from your employer and 5% from you (reduced to 4% net cost after 20% basic tax relief).

Can I opt out of workplace pension auto-enrolment?

Yes, employees have the legal right to opt out within one month of enrolment and receive a full refund of contributions, though you forfeit the employer contribution.

GroßbritannienWorkplace Pension Auto-Enrolment (8% Total)Finanzen

UK Workplace Pension Auto-Enrolment & Growth Calculator

Calculate statutory minimum workplace pension contributions (5% employee with tax relief + 3% employer on qualifying earnings between £6,240 and £50,270) and long-term retirement fund growth.

Pensionsfonds & Altersvorsorge Ruhestand & Rente Gehälter und Löhne

Eingabedaten

Echtzeit-Berechnung

Gross Annual Salary (£)

Schnellauswahl:

Your Employee Contribution Rate (% - 5% Min)5 %

5 %20 %

Employer Contribution Rate (% - 3% Min)3 %

3 %15 %

Years Until Retirement25 yrs

1 yrs45 yrs

Berechnetes ErgebnisWorkplace Pension Auto-Enrolment (8% Total)

Projected Pension Fund Pot at Retirement (Assuming 6% Growth)

£126,232

Employer Free Contribution Added (£/yr)

£862.8

Your Actual Out-of-Pocket Net Cost (£/yr after 20% Tax Relief)

£1,150.4

Detaillierte Berechnungsübersicht

Your Net Cost

£1,150.4

Employer Contribution

£862.8

Total Invested / Year

£2,300.8

Retirement Pot

£126,232

Berechnungsmethodik

Qualifying Earnings = max(0, min(Gross Salary, 50270) - 6240). Employee Contribution = Qualifying Earnings * 5%. Employer Contribution = Qualifying Earnings * 3%. Total Monthly Pension = (Employee + Employer) / 12.

Wichtiger rechtlicher Hinweis

Under UK auto-enrolment law, employers must contribute at least 3% and employees contribute 5% (effective 4% net cost after 20% basic tax relief).

Dieser Rechner dient ausschließlich Informations- und Bildungszwecken. Die Ergebnisse stellen keine verbindliche Finanz-, Steuer- oder Rechtsberatung dar.

Häufig gestellte Fragen

Qualifying earnings are gross earnings between the lower threshold of £6,240 and the upper threshold of £50,270 per year.

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Großbritannien

UK Workplace Pension Auto-Enrolment & Growth Calculator

Eingabedaten

Detaillierte Berechnungsübersicht

Berechnungsmethodik

Wichtiger rechtlicher Hinweis

Häufig gestellte Fragen

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