Pension Carry-Forward Calculator

Work out how much unused pension annual allowance you can carry forward from the last three tax years. Includes the tapered allowance for high earners.

Your contributions

This year's contribution so far

Last tax year's contribution

Two years ago

Three years ago

Older than this is lost.

This year's gross earnings

Tax relief is capped at 100% of gross earnings.

Adjusted income (optional, for taper)

Above £260k, the annual allowance starts to taper.

What happens to my data?

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Max additional contribution this year

£80,000

Carry-forward breakdown

This year's annual allowance	£60,000
Unused from one year ago	£60,000
Unused from two years ago	£60,000
Unused from three years ago	£60,000
Total available this year	£240,000

How carry-forward works

You can use unused annual allowance from the previous three tax years, oldest first.
You must have been a member of a UK pension scheme during the years you carry forward from.
Tax relief is still capped at 100% of your gross earnings for the year.
High earners (adjusted income above £260,000) get a tapered allowance, floored at £10,000.