SIPP calculator, 2026/27
A SIPP gives directors direct control over pension investments alongside company or personal contributions. Enter a starting balance, regular and one-off contributions, and a growth rate to see a projected balance and the tax relief you can expect along the way.
The sipp calculator runs on the rates and thresholds HMRC has published for the 2026/27 tax year, so the figures you see reflect the position your company is actually filing on rather than a historic set of bands. Change any input and the result recalculates immediately, with no sign-up and nothing sent anywhere.
If you are a director of a UK limited company, use it as a first look before a decision rather than as the decision itself. Contributions are grossed up for basic-rate relief at source of 20.0%; higher and additional rate relief is not included and must be claimed separately. Real company positions bring in other income, reliefs, group structures and prior year adjustments that a single page of inputs cannot see, which is why the workings are written out below under pensions. Read those, then check the numbers against your own accounts, and speak to us if anything looks materially different from what you expected.
Last reviewed 12 September 2026 for the 2026/27 tax year. Reviewed by Waqas Sagar, Member of ICAEW, Fellow of ACCA, Fellow of AAT.
Regulated by
Regulated & AML supervisor
AAT fellow member
Xero Gold PartnerCertified advisor
QuickBooks PartnerCertified ProAdvisor100+ yearsCombined team experienceFully insuredUp to £2m indemnitySIPP calculator
Result, 2026/27
Projected SIPP balance
Gross lump sum after basic-rate relief
Total basic-rate relief on monthly contributions
Basic-rate relief on the lump sum
Illustration only, figures are based on the rates you have selected and the information entered. Please check your own position with us before acting.
Estimates for the 2026/27 tax year using published GOV.UK rates. Switch between 2026/27 and 2025/26 above.
How this is calculated
Both the regular monthly contribution and the one-off lump sum are grossed up for basic-rate relief at 20.0%, reflecting how a relief-at-source SIPP provider adds tax relief automatically. The resulting gross figures are then compounded monthly at the growth rate you choose over the number of years entered.
This produces a single projected balance at the end of the term. It is a simplified model: real SIPP returns depend on the specific funds or shares held, market conditions, and ongoing charges, none of which are represented by a single flat growth rate.
The relief figures shown are the minimum you receive automatically. Higher and additional rate taxpayers can claim more through self-assessment, which would further reduce the real cost of the contributions shown here.
SIPPs and limited company directors
A SIPP can accept contributions from you personally, from your limited company as an employer contribution, or both, and gives far more investment choice than most workplace or stakeholder pensions, which suits directors who want to hold specific shares, funds or commercial property.
Company contributions to a director's SIPP are usually more tax-efficient than paying salary or dividends and contributing personally, since they avoid National Insurance and reduce corporation tax, provided the contribution passes the wholly and exclusively test.
Points worth checking
SIPP platform charges vary considerably and compound over time just as growth does, so a slightly cheaper platform can make a meaningful difference to the final balance over a 20 or 30 year term.
Whatever the source of the contribution, the total across all pensions still needs to fit within your annual allowance for the tax year, so check this alongside the Pension Annual Allowance Calculator.
What this means for your company
Treat the result as a planning figure for the 2026/27 tax year. If it changes what you were about to do, take a director's salary, a dividend, a large asset purchase or a filing decision, check it against your own accounts first. We can review the position with you and confirm the tax treatment before you commit.
Frequently asked questions
Can my company pay into my SIPP directly?
Yes, most SIPP providers accept employer contributions, and this is a common way for directors to extract value from the company tax-efficiently, since it avoids National Insurance and is usually deductible for corporation tax.
Does this include investment charges?
No, the projection assumes a flat net growth rate you supply. Platform and fund charges reduce actual returns, so consider using a slightly lower growth rate if you want to build in an allowance for costs.
What can I invest in through a SIPP?
Most SIPPs offer a wide range of funds, shares, investment trusts and sometimes commercial property, considerably more choice than typical workplace pensions, though the specific range depends on your provider.
Is a SIPP better than a workplace pension?
Not necessarily; it depends on charges, investment choice and whether an employer is matching contributions elsewhere. Many directors use a SIPP precisely because there is no separate employer scheme to contribute through.
Keep going
Related calculators
Same rates, different question.
Pension pot projection calculator
Project how your pension pot could grow to retirement with regular contributions and compound investment growth, then see the tax relief boost you receive.
CalculatorPension tax relief calculator
Work out the basic, higher and additional rate tax relief available on a pension contribution in 2026/27, and what you must reclaim through self-assessment.
CalculatorPension annual allowance calculator
Check how much you can pay into a pension in 2026/27 before the £60,000 annual allowance, tapering for high earners or the MPAA starts to bite.
CalculatorISA growth calculator
Project the tax-free growth of a stocks and shares ISA using the £20,000 annual allowance for 2026/27, with regular contributions and compound returns.