What is the annual UK pension contribution allowance?

The annual pension allowance is £60,000 (or 100% of your relevant UK earnings, whichever is lower).

How much does a £10,000 gross SIPP contribution actually cost a 40% taxpayer?

You deposit £8,000 cash, the government adds £2,000 basic relief, and you claim back £2,000 on Self-Assessment, making the net cost just £6,000.

イギリスSIPP Pension Tax Relief (20% to 45%)財務・給与

UK SIPP Pension Tax Relief & Government Top-Up Calculator

Calculate your total tax relief on Self-Invested Personal Pension (SIPP) personal contributions: automatic 20% basic rate government top-up into your SIPP provider plus additional 20% (higher rate) or 25% (additional rate) claimed back via Self-Assessment.

年金基金退職・年金税金・関税

入力パラメータ

リアルタイム自動計算

Net Personal Cash Deposited into SIPP (£)

クイック選択:

Your Highest Marginal Income Tax Band

計算結果SIPP Pension Tax Relief (20% to 45%)

Total Gross Amount Added into Your SIPP Account

£10,000

True Effective Out-of-Pocket Cost to You

£6,000

Extra Tax Refund Paid Directly to You via Self-Assessment

£2,000

詳細な計算内訳

You Pay SIPP

£8,000

20% Gov Top-Up

£2,000

Total in SIPP

£10,000

True Net Cost

£6,000

計算方法と根拠

Gross Contribution = Net Cash Contribution / 0.80. Basic Relief Added to SIPP = Gross Contribution * 20%. Higher/Additional Tax Rebate Claimed via Self-Assessment = Gross Contribution * (Tax Bracket% - 20%). Effective Out-of-Pocket Cost = Net Cash - Extra Rebate.

法的免責事項および案内

The annual pension allowance is £60,000 (or 100% of UK relevant earnings). High earners with adjusted income over £260,000 are subject to the tapered annual allowance (down to £10,000 minimum).

本計算機は教育および参考目的のみに提供されています。表示される結果は法的または拘束力のある助言を構成するものではありません。

よくある質問 (FAQ)

Your SIPP provider automatically adds the basic 20% top-up; higher-rate (40%) taxpayers claim the additional 20% via their annual Self-Assessment tax return.

UK SIPP Pension Tax Relief & Government Top-Up Calculator

入力パラメータ

詳細な計算内訳

計算方法と根拠

法的免責事項および案内

よくある質問 (FAQ)

関連する計算機

UK Workplace Pension Auto-Enrolment & Growth Calculator

UK Capital Gains Tax (CGT) Calculator (£3,000 Annual Exemption)

UK National Insurance (Class 1 NICs) Employee & Employer Calculator

UK Marriage Allowance Transfer & Tax Savings Calculator (£252/year)

UK PAYE Income Tax & Take-Home Pay Calculator (HMRC)

UK Inheritance Tax (IHT) & Residence Nil-Rate Band Calculator

UK Dividend Tax & £500 Allowance Calculator (Director & Investor)

UK Stocks & Shares ISA £20,000 Allowance & Tax-Free Growth Calculator