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Pension Carry Forward Calculator
UPDATED 2026/27
Work out how much unused pension annual allowance you can carry forward from the previous three tax years. Standard annual allowance is £60,000.
Allowance £40,000 that year.
Allowance £60,000 that year.
Allowance £60,000 that year.
Allowance £60,000 this year.
For guidance only. Standard annual allowance: £40,000 (2022/23), £60,000 (2023/24 onwards, frozen). You must have been a member of a UK registered pension scheme in each carry-forward year. High earners may have a tapered annual allowance (reduced by £1 for every £2 of adjusted income above £260,000, minimum £10,000). Your contributions also can't exceed your relevant UK earnings in the current year for full tax relief. Book a free call for tapered allowance / high-earner advice.
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