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Free retirement planning tool · 2026–27

UK Pension Tax Calculator

Estimate income tax on the UK pension income you enter, see the Personal Allowance assumption and understand your estimated take-home amount. This is an educational estimate, not an official tax calculation.

Your pension income

Income tax bands differ in Scotland.

Enter annual taxable amounts in pounds. State Pension is generally taxable even though tax is not usually deducted before it is paid. Do not include a tax-free lump sum as taxable pension income.

Your illustrative estimate

Estimated annual income tax
£0
Based on entered pension income
Estimated annual income after tax
£0
Before any unmodelled costs
Effective estimated tax rate
0%
Tax divided by entered income
Total entered pension income£0
Personal Allowance used£12,570
Estimated taxable income after allowance£0
Estimated monthly income after tax£0
Important comparison limitation
In one internal test (Case 5), the recorded inputs were State Pension £12,000 and private pension £90,000, with no Marriage Allowance selected. This calculator estimates total annual income tax of £28,632, while the HMRC pension estimator previously showed £28,432. The £200 difference remains unresolved, so this case has not been validated against HMRC. This page calculates an illustrative total tax liability from the annual income entered; it does not calculate the remaining amount payable after tax already deducted through PAYE. HMRC may calculate taxable State Pension from the weekly entitlement amounts before and after the annual April rate change, rather than a rounded annual estimate. For an accurate comparison, enter the State Pension entitlement figure for the tax year and check the amount of tax already deducted separately. Please verify your circumstances using HMRC's pension tax estimator and HMRC guidance on how State Pension is taxed.
When not to rely on this estimate
This simple version is intended for supported standard pension-income examples. For the Personal Allowance taper, it assumes your Adjusted Net Income is equal to the total income entered here. It does not calculate reductions to Adjusted Net Income from gross pension contributions, Gift Aid donations or other tax reliefs, and it does not model all allowances, pension lump-sum effects, benefits, savings or investment income, foreign income, residence issues or cross-border tax rules. If any of these apply, your actual Personal Allowance and tax may differ. Use current HMRC guidance or speak to a qualified tax adviser.

How the estimate works

The calculator totals the pension income entered and assumes that this total is also your Adjusted Net Income when applying the £1-for-£2 Personal Allowance taper above £100,000. It does not subtract pension contributions, Gift Aid or other ANI adjustments. It then applies illustrative 2026–27 income tax bands for the selected jurisdiction. It assumes the entered pension income is the only taxable income included in the calculation. Scottish rates and bands differ from the rest of the UK.

Rules and thresholds can change. Confirm current rules with GOV.UK tax guidance before making decisions.