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.

Birleşik KrallıkWorkplace Pension Auto-Enrolment (8% Total)Finans

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.

Emeklilik Fonları Emeklilik ve Maaş Maaşlar ve Ücretler

Hesaplama Girdileri

Anlık Canlı Hesaplama

Gross Annual Salary (£)

Hızlı seçim:

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

5 %20 %

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

3 %15 %

Years Until Retirement25 yrs

1 yrs45 yrs

Hesaplanan SonuçWorkplace 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

Ayrıntılı Hesaplama Dökümü

Your Net Cost

£1,150.4

Employer Contribution

£862.8

Total Invested / Year

£2,300.8

Retirement Pot

£126,232

Hesaplama Metodolojisi

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.

Yasal ve Bilgilendirici Uyarı

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

Bu hesaplayıcı yalnızca eğitim ve bilgilendirme amaçlıdır. Sonuçlar bağlayıcı finansal veya hukuki tavsiye niteliği taşımaz.

Sıkça Sorulan Sorular

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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Birleşik Krallık

UK Workplace Pension Auto-Enrolment & Growth Calculator

Hesaplama Girdileri

Ayrıntılı Hesaplama Dökümü

Hesaplama Metodolojisi

Yasal ve Bilgilendirici Uyarı

Sıkça Sorulan Sorular

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