Your income (2026/27)

See your effective tax rate in the trap and how a pension contribution claws back your allowance.

£
£

Your effective rate on the next £1

You're in the 60% trap.

Tax saved by your contribution

A pension contribution effectively costs you .

Personal Allowance now
Personal Allowance after
Allowance restored
In your pension
Effective relief rate

Estimate only. Assumes the contribution is within your annual allowance (£60,000) and you have relevant earnings. Pension access rules apply.

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60% Tax Trap Calculator by TaxFly — free UK tax calculators