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.

Reino UnidoWorkplace Pension Auto-Enrolment (8% Total)Finanças

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.

Fundos de Pensão Aposentadoria e Pensões Salários e Remunerações

Dados de Entrada

Em tempo real

Gross Annual Salary (£)

Seleção rápida:

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

5 %20 %

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

3 %15 %

Years Until Retirement25 yrs

1 yrs45 yrs

Resultado CalculadoWorkplace 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

Detalhamento do Cálculo

Your Net Cost

£1,150.4

Employer Contribution

£862.8

Total Invested / Year

£2,300.8

Retirement Pot

£126,232

Metodologia de Cálculo

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.

Aviso Legal e Educacional

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

Esta calculadora destina-se a fins educacionais e informativos. Os resultados não constituem consultoria financeira ou jurídica vinculativa.

Perguntas Frequentes

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

Calculadoras Relacionadas

Ferramentas e calculadoras recomendadas para seu cálculo atual

Explorar todas as ferramentas

Reino Unido

UK Workplace Pension Auto-Enrolment & Growth Calculator

Dados de Entrada

Detalhamento do Cálculo

Metodologia de Cálculo

Aviso Legal e Educacional

Perguntas Frequentes

Calculadoras Relacionadas

UK SIPP Pension Tax Relief & Government Top-Up Calculator

UK Company Car Benefit-in-Kind (BiK) & Electric Vehicle Tax Calculator

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

UK Statutory Maternity Pay (SMP) Schedule & Earnings Calculator

UK Universal Credit (UC) Work Allowance & 55p Taper Rate Calculator

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

UK Statutory Redundancy Pay Calculator (£700 Weekly Cap)

UK Student Loan Repayment Calculator (Plan 1, Plan 2, Plan 5 & Postgraduate)