Step 1 of 5
How do you earn?
This affects how your tax relief is calculated.
Step 2 of 5
What's your annual income?
A ballpark is fine. Use the arrows to nudge in £1,000 steps.
Choose how you earn above to see this.
The trap applies to income between £100,000 and £125,140. If you're outside this range the tool still works. You'll just see standard higher-rate relief.
Step 3 of 5
Any other income?
Dividends, savings interest, rental profit. Skip if it's just your salary. You can always come back.
Add other income
↓
Dividends
£
First £500 tax-free
Savings interest
£
Personal Savings Allowance applied automatically
Rental profit
£
After expenses
Step 4 of 5
What are your current pension contributions?
Your contribution
%
Not sure? Even a rough number gives you a useful projection. You can adjust it in the results.
Step 5 of 5
Your pension so far
Rough figures are fine. This helps project your pot at retirement.
Existing pot
£
Across all pensions
Years to retirement
yrs
When you'd like the option to stop
Most pensions let you take money from 55 today, rising to 57 from April 2028. Your scheme's rules may differ.
Your result
—
—
—
Now model your contribution
Drag the slider to see how different amounts change your take-home, tax and pot. Everything below updates live.
Take-home
—
per month
Personal allowance
—
—
Tax relief
—
this year
Projected pot
—
at retirement
Projected pot assumes 5% growth a year. Take-home includes Income Tax and National Insurance.
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Thanks, that's useful. If something wasn't clear, we'd love to know. hiddenwayapp@gmail.com