UK pension annual allowance & relief - tax year 2026/27
Your tapered allowance, three years of carry-forward, and the higher-rate relief your provider never added - on the 2026/27 figures, in your browser.
Your 2026/27 annual allowance
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Total pension input this year
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Room still available (with carry-forward)
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Amount over your allowance
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Estimated annual allowance charge
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Extra relief still to claim on your return
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2023/24 allowance lost after 5 April 2027
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What to do
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Both income tests, in the right order Threshold income and adjusted income are worked out separately, because your £60,000 allowance is only cut when BOTH are failed - the rule most summaries and chatbots state backwards.
Three years of carry-forward, oldest first Unused allowance from 2023/24, 2024/25 and 2025/26 is applied in the order HMRC uses, so you can see what is left and exactly how much dies on 5 April 2027.
The relief almost nobody claims Shows the tax relief above the 20% your provider already added at source, including the personal allowance you get back between £100,000 and £125,140 - the 60% band.
The flexible-access trap Tick the MPAA box and your money purchase allowance drops to £10,000 with no carry-forward against it - where most surprise annual allowance charges actually come from.
Your salary never leaves the browser Every figure is computed inside the extension itself. Nothing is uploaded or logged, which is why this is an extension and not a website form you type your pay into.