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Pensions & retirement · 2026/27

Pension allowance carry-forward total calculator UK

Add confirmed usable prior-year allowance to the current year’s allowance. Check the formula, worked example and limits before using your own figures.

Enter your figures

Your estimate

Total confirmed allowance plus carry-forward

£72,000.00
Headroom after pension input£22,000.00
Input over entered allowance total£0.00

Use your actual figures. Any prefilled price, fee, rate or return is an editable illustration, not a current product quote. You must confirm prior scheme membership, tapering, prior use and carry-forward ordering. Not for MPAA calculations. Carry-forward does not remove the earnings limit on personal tax relief.

How the pension allowance carry-forward total calculator uk works

Available total = current allowance + confirmed usable amounts from the previous three tax years.

UK data and rules

2026/27 data · Checked 16 October 2026. Rules are a dated snapshot, not a live feed.

Read about data coverage and updates

Worked example: pension allowance carry-forward total

This illustration uses the calculator’s example inputs. It is not a quote or a recommended financial decision.

Confirmed current annual allowance (£)
60,000
Usable unused allowance from previous year (£)
5,000
Usable unused allowance from two years ago (£)
4,000
Usable unused allowance from three years ago (£)
3,000
Total current-year pension input (£)
50,000

Total confirmed allowance plus carry-forward: £72,000.00

Available total = current allowance + confirmed usable amounts from the previous three tax years.

Pension allowance carry-forward total: questions answered

What does the pension allowance carry-forward total calculation include?

Available total = current allowance + confirmed usable amounts from the previous three tax years. Use your actual figures. Any prefilled price, fee, rate or return is an editable illustration, not a current product quote. You must confirm prior scheme membership, tapering, prior use and carry-forward ordering. Not for MPAA calculations. Carry-forward does not remove the earnings limit on personal tax relief.

Plan the next step

Pension annual allowance calculator UK 2026/27: Estimate the standard or tapered pension input allowance.

Pension tax relief calculator: basic-rate top-up: Convert a personal pension payment into its gross contribution.

Browse the pensions & retirement calculators for more tools in this topic.

Using your result

Example inputs are a starting point. Replace them with your figures and select Calculate result. Results are rounded for display; calculations use unrounded values.

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