Pension Carry-Forward Calculator
✓ Verified for 2026/27Annual Pension Inputs
Current Year (2026/27)
£
£
1 Year Ago (2025/26)
£
£
2 Years Ago (2024/25)
£
£
3 Years Ago (2023/24)
£
£
Total Max Allowance
£0
including carry-forward
Remaining Carry-Forward
£0
available for next year
Taxable Excess Contribution
£0
subject to annual tax charge
Unused Allowance Expiring
£0
unused from 3 years ago
Pension Allowance Allocation
Planned Contribution
£0
Current Year Allowance Used
£0
Carry-Forward Used
£0
Remaining Unused CF
£0
Total Unused (Expiring / Lost)
£0
Used Allowance
0%
Remaining CF
0%
Taxable Excess
0%
Pension Carry-Forward allows you to make use of unused annual allowances from the previous three tax years, as long as you were a member of a registered pension scheme. The current year's allowance is utilized first. Any excess contribution that cannot be covered by the current year or carried forward unused allowance is subject to a tax charge.
How We Calculated This
- Input variables: Enter the relevant amounts, rates, or percentages in the form.
- Real-time breakdown: The calculator applies HMRC rules and thresholds for the 2026/27 tax year to process the values.
- Display outputs: The visual graphs, donut charts, and tables are compiled dynamically to show your net take-home and deductions.
Real-World Examples
Standard Scenario
A basic calculation applying standard UK tax bands and allowances.
Calculation runs based on standard HMRC rules.
With Pension or Deductions
Factoring in a percentage of salary sacrifice or pension contributions.
Deductions are calculated and adjusted accordingly.
Frequently Asked Questions
Is this calculator updated for the 2026/27 tax year?
Yes, all calculators are fully updated with the latest HMRC thresholds, personal allowances, and National Insurance rates for 2026/27.
Can I use this for official tax submissions?
These tools are for estimation and illustrative purposes only. For official tax returns, please consult a qualified accountant or reference HMRC directly.
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About This Calculator
This calculator uses the latest HMRC rates for the 2026/27 tax year. For illustrative purposes only — always consult a qualified tax adviser for formal advice.