Pension Tax Relief Calculator.

If you're a higher-rate taxpayer paying into a pension under Relief atSource, you may be entitled to additional tax relief from HMRC. Estimate what you could claim — accurate to current HMRC rules andtax bands.

How it works
Fixed fee
Money-back guarantee
Specialist-prepared
Up to 5 tax years
2026/27
2026/27
2026/27
2026/27
2026/27
Do you earn above £50,270?

Pension tax relief claims through Potly are for higher and additional rate taxpayers.

Eligibility

Yes

My annual income is above £50,270

No

My annual income is £50,270 or below

Potly may not be able to help

Potly is designed for higher and additional rate taxpayers. If your income is close to £50,270, pension contributions and other deductions can sometimes push you into a higher rate band — it's worth checking with the full calculator.

Try the full calculator →
Let's find your pension tax relief

Select the tax years you want to check, then tell us where you're based.

Tax years

Which tax years do you want to check?

Based in Scotland?
You may be able to claim more

If you were a pension scheme member in any of the years below — even with no contributions — you can carry forward unused allowance and increase your total claim.

Were you a pension member in year ?
Were you a pension member in year ?
Were you a pension member in year ?
Your income

We need your income figures to calculate your marginal tax rate.

1/4

Income

Gross annual salary *

£

Do you have other taxable income?

Rental income, dividends, savings interest or pension income

Annual other taxable income

£

Use your contractual salary, not your P60 — P60 may show a lower figure if you have salary sacrifice arrangements.

Deductions & benefits

Tell us about any salary sacrifice arrangements, benefits in kind or Gift Aid donations.

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Deductions

Do you have non-pension salary sacrifice?

EV, workplace nursery, cycle to work etc.

Annual amount for salary sacrifice benefits

£

Do you receive taxable benefits in kind?

Company car, medical insurance, beneficial loan or accommodation

Company car

£

Medical insurance

£

Beneficial loan

£

Living accommodation

£

Do you make Gift Aid donations?

Donations to charity under Gift Aid

Total Gift Aid donations (net amount paid)

£
Workplace pension

Tell us about any salary sacrifice arrangements, benefits in kind or Gift Aid donations.

3/4

Workplace pension

How is your workplace pension collected? *

How to check: Look at your payslip. If your gross pay is lower than your contract salary by the pension amount — select Salary Sacrifice. If your pension deduction appears after your gross pay figure and your provider claims tax relief — select Relief at Source. If your gross pay is lower and pension is deducted before tax is applied — select Net Pay. Still unsure? Contact your HR or payroll team.

Your contributions *

£

The amount you personally pay. Check your payslip.

Employer contributions *

£

What your employer pays in. Check your pension statement.

Personal pension & SIPP

Tell us about any salary sacrifice arrangements, benefits in kind or Gift Aid donations.

4/4

Personal pension

What you paid into your personal pension / SIPP *

£

The net amount you paid — what left your bank account. HMRC automatically adds 20% on top.

If you've taken a flexible income or lump sum from a pension (other than a tax-free cash lump sum), the Money Purchase Annual Allowance (MPAA) applies. This reduces your annual allowance to £10,000 for this year, which affects how much relief you can claim.

Your Money Purchase Annual Allowance is £10,000. Contributions above this limit may result in an annual allowance charge.

Apply to all years?

You've entered details for the first year. Most people have similar income and contributions each year.

4/4

Personal pension

Apply these details to all other years?

You can open each year below to review and edit
You are eligible to claim
£2,000
Estimated additional pension tax relief
2026/27
£500
2026/27
£500
2026/27
£500
2026/27
£500
2026/27
£500
Total you could claim back
£2,000

Get your full breakdown and claim pack

  • HMRC-ready claim letter, prepared by our qualified team
  • Year-by-year relief breakdown — exact figures for each tax year
  • Carry forward analysis — unused allowance from up to 3 previous years
  • Allowance expiry dates — so you know exactly when to act
  • Evidence checklist meeting HMRC's September 2025 requirements
  • Delivered within 24 hours

No claim identified

HMRC-ready claiBased on the information provided, we could not identify any personal pension or Relief at Source contributions that qualify for additional tax relief.m letter, prepared by our qualified team

No additional relief available

Your income falls within the Personal Allowance, meaning no income tax is currently payable. As a result, there is no additional pension tax relief available to claim.

No further relief available

Based on the information provided, your income remains within the basic rate tax band. Any pension tax relief available has already been applied automatically by your pension provider.

No further relief available

We could not identify any additional pension tax relief available to claim for the selected tax years.

Annual allowance review required

Your pension contributions may exceed the available annual allowance for one or more selected tax years. This could result in an annual allowance charge and may require further review.

Contribution relief has been limited

Some pension contributions exceed 100% of your relevant UK earnings. Tax relief has therefore been capped in accordance with HMRC rules.

Money Purchase Annual Allowance applies

You have indicated that the Money Purchase Annual Allowance (MPAA) applies. Pension contributions above the MPAA limit may be subject to an annual allowance charge.

Email address *

Please wait for the result
Thank you! Your submission has been received!
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Your personal details

We need these to prepare your claim pack for HMRC.

Would you like to add your personal information now?

This includes your name, address and tax reference numbers. You can skip this and fill it in yourself on the document later — these fields will simply appear blank on your claim pack.

Full legal name

Email address

Phone number

Home address

Required: Address line 1, Town / City, and Postcode.

HMRC identifiers

National Insurance number

Recommended. Format: two letters, six numbers, one letter. You'll find it on your payslip, P60 or any letter from HMRC.

Unique Taxpayer Reference (UTR)

Only needed if you complete Self Assessment.

Are you registered for Self Assessment? *

How many providers in total? *

You may be able to claim more

If you were a pension scheme member in any of the years below — even with no contributions — you can carry forward unused allowance and increase your total claim.

Were you a pension member in year ?
Were you a pension member in year ?
Were you a pension member in year ?

Refund preference and declarations

How would you like HMRC to process your relief? *

Submit my details
Thank you! Your submission has been received!
Oops! Something went wrong while submitting the form.
Request received!
We've sent an email with the next steps to your inbox. If you don't see it within a few minutes, please check your spam or junk folder.

Questions we get a lot

Still unsure if you're eligible? Use the free calculator to check.

What is pension tax relief?

Pension tax relief is money the government adds to your pension based on the income tax you've paid. Basic-rate (20%) relief is usually added to your pension automatically. Higher-rate (40%) and additional-rate (45%) taxpayers can claim extra relief — but it isn't always added automatically.

What's the difference between Relief at Source, Net Pay, and Salary Sacrifice?

These are three different ways pension contributions are taxed:

  • Relief at Source — you pay into your pension after tax. The provider claims 20% basic-rate relief from HMRC and adds it to your pot. Higher and additional-rate taxpayers can claim the extra relief from HMRC. This is what Potly helps with.
  • Net Pay — your contribution comes out of your salary before tax,so you receive relief at your full rate automatically through payroll.
  • Salary Sacrifice — you take a lower salary and your employer pays the difference into your pension. Tax and National Insurance are reduced automatically — no further claim needed.

Our calculator confirms which scheme applies to yourpension.

How do I know if I'm eligible to claim?

You're likely eligible if you pay income tax above the basic rate and your pension is set up under Relief at Source. Most personal pensions and SIPPs use Relief at Source — and some workplace pensions do too. Our free calculator confirms eligibility before you pay anything.

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What tax years can I claim for?

You can claim for the current tax year and the four previous tax years — five in total. After that, the oldest year drops out of scope each April. According to HMRC guidance, claims must be made within four years from the end of the tax year you're claiming for.

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Does this work differently in Scotland?

Yes. Scotland sets its own income tax bands and rates. Scottish intermediate, higher, advanced, and top-rate taxpayers can all claim extra relief through HMRC. Our calculator applies the correct Scottish rates and your claim pack is tailored accordingly.

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What if I'm registered for Self Assessment?

If you complete a Self Assessment tax return, HMRC's guidance is to claim pension tax relief through that return rather than by post. Your claim pack includes step-by-step Self Assessment instructions showing which boxes to complete and what figures to enter.

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Can Potly guarantee I'll receive a refund?

No — and we wouldn't trust any service that does. HMRC makes the final decision based on their own checks. What we guarantee is a professionally prepared claim pack with everything HMRC needs to process your claim. If we can't prepare your pack, you receive a full refund.

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What happens to my personal data?

We only collect what's needed to prepare your claim pack. Payments are handled by Stripe — we never see your card details. Data is stored securely with restricted access and isn't sold or shared. Full details are in our Privacy Policy.

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How long does HMRC take to process my claim?

Response times depend on the route. For Self Assessmentclaims, refunds are typically processed within a few weeks of submitting yourreturn. For postal claims, HMRC currently takes around 8-12 weeks, though itcan be longer during busy periods. HMRC may also pay your relief by adjustingyour future tax code rather than as a direct refund.

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You could be leaving money on the table. Use our free calculator to find out.

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