Calculate employer and employee pension contributions under auto-enrolment. See tax relief, net cost, and projected pension pot growth.
This calculator shows how much you and your employer contribute to your workplace pension under auto-enrolment, and estimates the projected pension pot at retirement based on your contributions and assumed investment growth.
Note: Minimum auto-enrolment contributions are 5% employee (including tax relief) and 3% employer on qualifying earnings (£6,240–£50,270 for 2026/27). Projections are illustrative and not a guarantee of future returns.
Auto-enrolment qualifying earnings band 2026/27: £6,240–£50,270. Projection assumes 5% annual growth. Pension values are illustrative only. Last updated: April 2026.
| Monthly | Annual | |
|---|---|---|
| Contribution basis | £2,397 | £28,760 |
| Employee contribution | £120 | £1,438 |
| Tax relief | £24 | £288 |
| Employee net cost | £96 | £1,150 |
| Employer contribution | £72 | £863 |
| Total into pension | £192 | £2,301 |
Illustrative only — assumes constant contributions and 5% annual investment return.