The allowance after any taper or the money-purchase limit, the headroom, and an assumed carry-forward.
What you enter: earnings · other income · your contributions · employer contributions · already taken taxable income from a pension.
Money Horizon › Calculators › Pensions
Annual allowance
How much can I still put in this year?
Worked example
How much can I still put in this year — an example
Inputs
- Earnings
- £90,000
- Other income
- £0
- Your contributions
- £12,000
- Employer contributions
- £6,000
- Already taken taxable income from a pension
- No
Result
- Annual allowance
- £60,000
- Going in this year
- £18,000
- Headroom
- £42,000
- Carry-forward, if the last three years looked the same
- £126,000
How it is worked out. £60,000 tapered by £1 per £2 of adjusted income above £260,000 (floor £10,000) when threshold income exceeds £200,000; £10,000 once flexibly accessed.
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Not advice. Money Horizon is a planning indicator built on simplified rules. It does not know your full circumstances, cannot replace a regulated adviser, and its figures should not be relied on for any decision. It is not financial advice. Nothing you enter leaves your browser. Calculators use the 2026-27 rules; figures are estimates.