Annual Allowance Check (UK)
Check how much of your £60,000 annual pension allowance you have used this tax year. If you have unused allowance from the last 3 years, you may be able to carry it forward.
Your details
Include your own contributions, employer contributions, and any tax relief added. Check with your pension provider if unsure.
If you didn't use your full £60,000 allowance in the last 3 tax years, you can carry the unused amount forward.
Your results
Your figures appear here as you fill in your details.
This calculator uses the standard Annual Allowance of £60,000. If you earn over £260,000, you may have a tapered annual allowance (reduced to as low as £10,000). If you have accessed flexible pension benefits, your money purchase annual allowance may be £10,000. Speak to a financial adviser about your specific situation. This is not financial advice.
How this works
The Annual Allowance is the maximum amount of pension savings you can make each tax year with tax relief. For 2025/26, this is £60,000.
This includes:
- Your personal contributions
- Employer contributions
- Tax relief added by HMRC
Carry forward: If you didn't use your full allowance in the previous 3 tax years, you can carry the unused amount forward. You must have been a member of a registered pension scheme in those years.
- 2024/25: £60,000 allowance
- 2023/24: £60,000 allowance
- 2022/23: £40,000 allowance
If you exceed your allowance: You may face an Annual Allowance tax charge. The excess is added to your income and taxed at your marginal rate. If the charge is over £2,000, you can ask your pension scheme to pay it from your pot (called "Scheme Pays").
Last updated . Figures are UK-specific — check current rates on GOV.UK before acting.