Workplace Pension Calculator UK
Calculate workplace pension contributions for auto-enrolment. Work out employer and employee costs using 2025/26 rates for UK trade businesses.
Salary & Contributions
Minimum 3% for auto-enrolment
Minimum 5% for auto-enrolment (8% total)
Qualifying Earnings
Contributions calculated on earnings between £6,240 and £50,270
£23760
Pension Analysis
✅ Auto-Enrolment Compliant
8% total (3% employer + 5% employee). Meets minimum 8% requirement.
Monthly Cost to Employer
£59
3% of £23760 qualifying earnings
Monthly Total Pension
£158
Combined employer + employee contributions
Annual Breakdown
30-Year Projection
At £1901/year for 30 years (no growth):
£57024
With 5% annual growth: ~£126287
✅ Minimum Requirements
8% total contribution (3% employer minimum). Employees aged 22+ earning over £10k must be auto-enrolled.
💰 Tax Relief
Employee contributions get 20% tax relief automatically. Higher rate taxpayers can claim 40% via self-assessment.
📊 Qualifying Earnings
Contributions based on £6,240-£50,270 band, not full salary. Reduces pension costs for high earners.
Make Pension Contributions Part of the Plan
Use this calculator to understand what you should be setting aside, then build contributions into your pricing and monthly cash flow so retirement isn't an afterthought.
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