--- title: Pension Contribution Calculator description: Welcome to Oros Consultancy image: https://www.oros-consultancy.co.uk/hubfs/oros%20image.jpg --- [Skip to content](https://www.oros-consultancy.co.uk/pension-contribution-calculator#main-content) ![OROS Master Logo](https://www.oros-consultancy.co.uk/hubfs/OROS%20Master%20Logo.svg)Homepage - [Home](https://www.oros-consultancy.co.uk?hsLang=en-gb) - [About You](https://www.oros-consultancy.co.uk/about-you?hsLang=en-gb) - [In Your 20s](https://www.oros-consultancy.co.uk/in-your-20s?hsLang=en-gb) - [In Your 30s and 40s](https://www.oros-consultancy.co.uk/in-your-30s-and-40s?hsLang=en-gb) - [In Your 40s to 55](https://www.oros-consultancy.co.uk/in-your-40s-to-55?hsLang=en-gb) - [In Your 55 to 65](https://www.oros-consultancy.co.uk/in-your-55-to-65?hsLang=en-gb) - [In Your 65 to 75](https://www.oros-consultancy.co.uk/in-your-65-to-75?hsLang=en-gb) - [Age 75 and Beyond](https://www.oros-consultancy.co.uk/age-75-and-beyond?hsLang=en-gb) - [Our Services](https://www.oros-consultancy.co.uk/our-services?hsLang=en-gb) - [Physical Assets](https://www.oros-consultancy.co.uk/physical-assets?hsLang=en-gb) - [Private Equity](https://www.oros-consultancy.co.uk/private-equity?hsLang=en-gb) - [Tax Efficient Investments](https://www.oros-consultancy.co.uk/tax-efficient-invesments?hsLang=en-gb) - [Real Estate](https://www.oros-consultancy.co.uk/real-estate?hsLang=en-gb) - [Fixed Income](https://www.oros-consultancy.co.uk/fixed-income?hsLang=en-gb) - Insights - [Pension Contribution Calculator](https://www.oros-consultancy.co.uk/pension-contribution-calculator) - [Pension Drawdown Calculator](https://www.oros-consultancy.co.uk/pension-drawdown-calculator-1?hsLang=en-gb) - [Inheritance Calculator](https://www.oros-consultancy.co.uk/inheritance-calculator?hsLang=en-gb) - [Compound Growth Calculator](https://www.oros-consultancy.co.uk/compound-growth-calculator?hsLang=en-gb) - [Latest Market News](https://www.oros-consultancy.co.uk/articles/tag/latest-market-news?hsLang=en-gb) - [Educational Articles](https://www.oros-consultancy.co.uk/articles/tag/educational-article?hsLang=en-gb) - [Fees & Charges](https://www.oros-consultancy.co.uk/fees-and-charges?hsLang=en-gb) - [Contact](https://www.oros-consultancy.co.uk/contact-us?hsLang=en-gb) [Sign Up For Our Newsletter](https://2f7yes.share-eu1.hsforms.com/2oYnnmG0gSLa4egDJUr681g) - [Home](https://www.oros-consultancy.co.uk?hsLang=en-gb) - [About You](https://www.oros-consultancy.co.uk/about-you?hsLang=en-gb) - [In Your 20s](https://www.oros-consultancy.co.uk/in-your-20s?hsLang=en-gb) - [In Your 30s and 40s](https://www.oros-consultancy.co.uk/in-your-30s-and-40s?hsLang=en-gb) - [In Your 40s to 55](https://www.oros-consultancy.co.uk/in-your-40s-to-55?hsLang=en-gb) - [In Your 55 to 65](https://www.oros-consultancy.co.uk/in-your-55-to-65?hsLang=en-gb) - [In Your 65 to 75](https://www.oros-consultancy.co.uk/in-your-65-to-75?hsLang=en-gb) - [Age 75 and Beyond](https://www.oros-consultancy.co.uk/age-75-and-beyond?hsLang=en-gb) - [Our Services](https://www.oros-consultancy.co.uk/our-services?hsLang=en-gb) - [Physical Assets](https://www.oros-consultancy.co.uk/physical-assets?hsLang=en-gb) - [Private Equity](https://www.oros-consultancy.co.uk/private-equity?hsLang=en-gb) - [Tax Efficient Investments](https://www.oros-consultancy.co.uk/tax-efficient-invesments?hsLang=en-gb) - [Real Estate](https://www.oros-consultancy.co.uk/real-estate?hsLang=en-gb) - [Fixed Income](https://www.oros-consultancy.co.uk/fixed-income?hsLang=en-gb) - Insights - [Pension Contribution Calculator](https://www.oros-consultancy.co.uk/pension-contribution-calculator) - [Pension Drawdown Calculator](https://www.oros-consultancy.co.uk/pension-drawdown-calculator-1?hsLang=en-gb) - [Inheritance Calculator](https://www.oros-consultancy.co.uk/inheritance-calculator?hsLang=en-gb) - [Compound Growth Calculator](https://www.oros-consultancy.co.uk/compound-growth-calculator?hsLang=en-gb) - [Latest Market News](https://www.oros-consultancy.co.uk/articles/tag/latest-market-news?hsLang=en-gb) - [Educational Articles](https://www.oros-consultancy.co.uk/articles/tag/educational-article?hsLang=en-gb) - [Fees & Charges](https://www.oros-consultancy.co.uk/fees-and-charges?hsLang=en-gb) - [Contact](https://www.oros-consultancy.co.uk/contact-us?hsLang=en-gb) [Sign Up For Our Newsletter](https://2f7yes.share-eu1.hsforms.com/2oYnnmG0gSLa4egDJUr681g) ![iStock-2212785991 Large](https://www.oros-consultancy.co.uk/hs-fs/hubfs/iStock-2212785991%20Large.jpeg?width=1280&height=853&name=iStock-2212785991%20Large.jpeg) ## Pension Contribution Calculator See exactly how much is going into your pension — and how much more could be. Our pension contribution calculator breaks down your employee and employer contributions, and models the take-home pay impact of paying in more via salary sacrifice [Explore more](https://www.oros-consultancy.co.uk/pension-contribution-calculator#callback) # Are you making the most of your employer's pension contributions? ### Most people underestimate how much their pension is worth — and how cheaply they can top it up Between employer matching, tax relief, and the option to sacrifice salary before it's taxed, pension contributions are one of the most efficient ways to build wealth available to UK employees. Yet most people contribute the minimum and leave significant free money on the table. Use this calculator to see your current contribution picture clearly — and explore what happens when you increase your input, even by a small percentage. - Your monthly and annual employee and employer contributions at a glance - The estimated impact on your take-home pay if you choose salary sacrifice - How income tax and National Insurance rates affect your real contribution cost - The total flowing into your pension pot each month — and each year ## Pension Contribution Calculator Salary amount Salary frequency Annual Monthly Employee contribution (%) Employer contribution (%) Salary sacrifice (estimate take-home impact) Income tax rate (estimate, %) NI / payroll tax rate (estimate, %) Reset ### Results Employee contribution — — Employer contribution — — Total into pension — — Estimated take-home change — — Note: “Salary sacrifice” and tax impacts here are a simplified estimate. For accuracy, we can wire in UK/US tax bands once you tell me your country. About us ## About Oros --- #### Our mission is to provide individual investors with institutional and professional investor level access, and to give independent business owners the same tools as national corporates. #### We want an even playing field. Oros Consultancy is not a financial advisory or tax advisory firm, we are an educational platform, introducer and an access provider to open previously locked doors to individual investors and business owners. Our Services --- ## How the Oros Consultancy process works [Let's build your next chapter](https://www.oros-consultancy.co.uk/pension-contribution-calculator#callback) ![operator](https://www.oros-consultancy.co.uk/hubfs/operator.svg) ### Step 1 Arrange a free introductory call ![meeting](https://www.oros-consultancy.co.uk/hubfs/meeting.svg) ### Step 2 We get to know you and your situation ![certificate](https://www.oros-consultancy.co.uk/hubfs/certificate.svg) ### Step 3 We design a plan to meet your needs ![flying](https://www.oros-consultancy.co.uk/hubfs/flying-1.svg) ### Step 4 You decide whether to proceed or not ## Request a call back #### Ready to Elevate your business? [Get in touch](https://www.oros-consultancy.co.uk/contact-us?hsLang=en-gb) [![OROS Master Logo white](https://www.oros-consultancy.co.uk/hubfs/OROS%20Master%20Logo%20white.svg "OROS Master Logo white")](https://oros-consultancy.co.uk?hsLang=en-gb) - [Home](https://www.oros-consultancy.co.uk?hsLang=en-gb) - [Articles](https://www.oros-consultancy.co.uk/articles?hsLang=en-gb) - [Our Services](https://www.oros-consultancy.co.uk/our-services?hsLang=en-gb) - [Fees & Charges](https://www.oros-consultancy.co.uk/fees-and-charges?hsLang=en-gb) - [Contact](https://www.oros-consultancy.co.uk/contact-us?hsLang=en-gb) --- [Privacy Policy](https://www.oros-consultancy.co.uk/privacy-policy?hsLang=en-gb) · [Legal](https://www.oros-consultancy.co.uk/website-terms-and-conditions?hsLang=en-gb) · © 2026 Oros Consultancy. All rights reserved.