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Workplace pension contribution calculator
Turn employee and employer percentages into pounds and show the pay method you select.
Illustrative result
£28,000.08 estimated take-home pay a year
2026 to 2027 · England, Wales and Northern Ireland
- Contractual gross pay
- £36,000.00
- Salary sacrifice
- £0.00
- Income Tax
- £4,326.00
- Employee National Insurance
- £1,873.92
- Student loan
- £0.00
- Postgraduate loan
- £0.00
- Pension paid from your pay
- £1,800.00
- Estimated net pay
- £28,000.08
- Monthly equivalent
- £2,333.34
- Amount added to the pensionIncludes employer contributions and basic-rate relief where that method applies.
- £2,880.00
Assumptions
- Percentages apply to contractual gross salary, before sacrifice.
- Automatic enrolment bands and qualifying earnings are not applied unless you enter the pensionable pay as the salary.
- Salary sacrifice reduces contractual pay before income tax, National Insurance and student loan repayments.
- Net pay pension contributions reduce taxable pay, but not National Insurance or student loan repayments.
- Relief at source is paid from net pay. Basic-rate relief is added in the pension. Extra relief reduces tax and is not added twice.
- Student loan repayments use the pay-period threshold and are rounded down to the nearest pound, then multiplied by the number of periods.
- National Insurance uses the monthly or weekly thresholds for the selected pay frequency.
Questions
Does the employer contribution come out of my net pay?
No. It is added to the pension and is not deducted again from take-home pay.
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Estimates only. Tax and repayment rules can change, and this is not financial, tax or pension advice.
Estimated take-home pay a year£28,000.08See breakdown