💼 Workplace Pensions 2026/27⚙️ 8% Minimum Total💷 £10k Trigger
Workplace Pension Auto-Enrolment Calculator 2026/27
Calculate standard 2026/27 workplace pension contributions using the £10,000 earnings trigger, £6,240–£50,270 qualifying earnings band, and 8% statutory minimum contribution framework.
2026/27 Statutory Pensions Regulator Rules
Automatic enrolment applies to eligible workers aged 22 to State Pension age earning ≥£10,000/year. Standard qualifying earnings band: £6,240 to £50,270. Minimum contributions: 3% employer + 5% employee (8% total).
Workplace Pension Contribution Calculator
Enter salary and click Calculate Pension Contributions
2026/27 Statutory Auto-Enrolment Thresholds
| Statutory Threshold | 2026/27 Annual Amount | Legal Purpose |
|---|---|---|
| Earnings Trigger | £10,000 / year | Minimum earnings threshold for mandatory automatic enrolment. |
| Lower Qualifying Earnings Level | £6,240 / year | Standard qualifying earnings contributions start above this level. |
| Upper Qualifying Earnings Level | £50,270 / year | Earnings above this level are excluded from the standard qualifying band. |
| Employer Contribution Minimum | 3% | Mandatory minimum employer contribution on qualifying earnings. |
| Staff Contribution Minimum | 5% | Standard employee contribution (including tax relief where applicable). |
Frequently Asked Questions (6 Detailed FAQs)
For the 2026/27 tax year, the automatic-enrolment earnings trigger is £10,000 a year. The lower level of qualifying earnings is £6,240 and the upper level is £50,270. These figures apply from 6 April 2026 to 5 April 2027.
An employer must normally automatically enrol a worker who is aged from 22 to State Pension age, earns at least £10,000 a year and ordinarily works in the UK.
For the standard qualifying-earnings basis, the minimum total contribution is 8% of qualifying earnings, including at least 3% from the employer and at least 5% from the staff member.
Contributions are based on qualifying earnings between £6,240 and £50,270 for 2026/27. For example, a £35,000 salary produces £28,760 of qualifying earnings before applying the rates.
Yes. After automatic enrolment, a worker can opt out during the one-month opt-out period for a full refund of contributions.
Under net pay arrangements, contributions are deducted before PAYE tax. Under relief at source, contributions are deducted after tax and the provider adds 20% basic tax relief to the pot.
Official 2026/27 Pensions Regulator Sources
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Auto-Enrolment Benchmarks
Earnings Trigger£10,000
Lower QE Threshold£6,240
Upper QE Threshold£50,270
Employer Minimum3%
Total Minimum8%