UK · Pensions

UK SIPP tax relief calculator.

See what your provider adds at source, the extra you can claim as a higher or additional-rate taxpayer, and whether you pass the annual allowance.

Rates checked against GOV.UK on 30 September 2026 (2026–27 tax year). England, Wales and Northern Ireland bands; Scottish bands are not modelled.

Your figures

Your relief

Enter your earnings and contribution.

Worked example

You earn £60,270 and pay £12,000 into a SIPP. Your provider claims 20% and adds it, so £15,000 goes into the pot (£3,000 relief). £10,000 of your income is taxed at 40%, so you can claim an extra 20% on £10,000 = £2,000 through Self Assessment. Total relief £5,000; your net cost is £10,000 for £15,000 invested.

Formula notes

Gross contribution = amount you pay ÷ 0.8; provider relief = gross − paid (20% at source).
Extra claim = 20% of the gross contribution up to the income you were taxed at 40% on, plus 25% up to the income taxed at 45% on. The top slice of income is relieved first. Higher rate starts above £50,270 and additional rate above £125,140 of income.
Relief is limited to 100% of annual earnings; with no earnings you can pay £2,880 and the provider adds relief (£3,600 gross).
Annual allowance £60,000 covers all contributions to all your pensions in the tax year, including employer payments. It is reduced if threshold income is over £200,000 and adjusted income over £260,000; this tool only flags that case and does not compute the reduced figure. Carry-over of unused allowance from the previous 3 tax years is not modelled.

Not modelled: Scottish rates, Personal Allowance restoration for income between £100,000 and £125,140, other pension types, and lower allowances if you have flexibly accessed a pension. Sources, as of 30 September 2026: pension tax relief, annual allowance, Income Tax rates and bands. A planning aid, not financial or tax advice.

FAQ

How much tax relief do I get on a SIPP?

With relief at source your provider claims 20% and adds it to your pot. If you pay Income Tax above 20% you claim the rest yourself.

What is the limit on pension tax relief?

Relief is available on contributions up to 100% of your annual earnings, and the annual allowance is £60,000 this tax year.

Do higher-rate taxpayers get relief automatically?

Only the first 20%. Claim the extra 20% or 25% through Self Assessment or by contacting HMRC.