🇬🇧 2025 Pension Rules

UK Pension Calculator
2025

Calculate your state pension, workplace pension, and retirement income with the latest 2025 UK pension rules and tax relief.

UK Pension & Retirement Calculator

Calculate your complete retirement income including state pension, workplace pension, and private pensions

Retirement Income Projection

Years to Retirement:31 years
Projected Pension Pot:£485,000
Tax-Free Lump Sum (25%):£121,250
Remaining Pension Pot:£363,750
State Pension (Annual):£11,502
Private Pension (Annual):£14,550
Total Annual Income:£26,052
Monthly Income:£2,171

Retirement Summary

Based on your contributions, you'll have a pension pot of £485,000 at retirement, providing £2,171 monthly income including state pension.

2025 UK Pension Rules

  • • Annual Allowance: £60,000 (2025/26)
  • • Lifetime Allowance: Abolished from April 2024
  • • State Pension: £11,502 per year (full rate)
  • • Tax-free lump sum: 25% of pension pot
  • • Minimum auto-enrolment: 8% total (3% employer, 5% employee)
  • • State Pension Age: 66 (rising to 67 by 2028)

Pension Tax Relief

  • • Basic rate taxpayers: 20% relief on contributions
  • • Higher rate taxpayers: 40% relief on contributions
  • • Additional rate taxpayers: 45% relief on contributions
  • • Relief given at source or through payroll
  • • Maximum relief on £60,000 annual contributions
  • • Carry forward unused allowances from 3 previous years
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Accurate Projections

Based on latest 2025 UK pension rules, tax rates, and state pension rates

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Tax Optimization

Calculate tax relief on contributions and tax-free lump sum benefits

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Retirement Planning

Plan your retirement income with state pension and private pension combined