Personal Pension Plans Contributions Table and Calculator
Only earnings up to the Earnings Limit can be used for Personal Pension Plans, ie £102,000 for 2004-5

Personal Pension Plan contribution limits
Age at start of tax year % Net Relevant Earnings*
35 or less 17.5%
36-45 20%
46-50 25%
51-55 30%
56-60 35%
61-74 40%




*Net Relevant Earnings are broadly speaking your income from work. For employees it can include the value of company cars and fringe benefits, overtime etc. It excludes income from investments.






Your age at the start of the tax year:
Enter your annual Net Relevant Earnings:
Gross Monthly Premium that you can contribute:
Net Monthly Premium if you are a basic rate taxpayer:
Net Monthly Premium if you are a higher rate taxpayer:

Stakeholder Pensions Note. You can contribute to a Stakeholder if you have a Personal Pension contract.

To your combined PPP and Stakeholder contracts you can contribute up to £3600pa (a gross premium of £300pm), or more if this calculator shows a higher figure.

PPP notes

You can contribute monthly or in lump sums.

Plans vary in their construction, cost and flexibility.

Most offer a very valuable form of insurance called waiver of premium. This means that if you cannot keep up your premiums because ill health prevents you from working, you will receive a pension AS IF YOU HAD KEPT PAYING.

We will help select the contract most suited to your needs.