Donaldson R F Pension Annual Allowance Calculator
Work out how much you can pay into a pension this tax year before the annual allowance tax charge applies.
Unused allowance to carry forward (optional, from the 3 previous tax years)
How it's worked out
The standard annual allowance is £60,000. If you've flexibly accessed a money purchase pension, it's replaced by the £10,000 Money Purchase Annual Allowance instead. Otherwise, if your threshold income is over £200,000 and your adjusted income is over £260,000, the allowance tapers down by £1 for every £2 of adjusted income above £260,000, down to a minimum of £10,000. You can also carry forward unused allowance from the 3 previous tax years, as long as you were a member of a registered pension scheme in each of those years.
Source: GOV.UK: Tax on your private pension, annual allowance, Work out your tapered annual allowance. Checked 7 October 2026.