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flex-child-shrink text-right"> <button class="search"><span class="show-for-sr">Show a Search field.</span></button> </div> </div> <div class="row expanded search-wrapper hide"> <div class="columns small-12"> <form role="search" method="get" class="row align-middle search-form search_panel" action="/"> <div class="columns flex-child-grow left-padding-zero right-padding-zero"> <label for="s" class="show-for-sr">Search the website:</label> <input type="search" class="search-field" placeholder=" What are you looking for?" value="" name="s" id="s" title="Search the website"> </div> <div class="columns flex-child-shrink"> <input type="submit" class="button small secondary search-submit" value="Search"> </div> </form> </div> </div> <div class="strapline"> <div class="row no-left-padding no-right-padding"> <div class="column small-12 medium-12 large-12"> <p>For members of the Local Government Pension Scheme in England and Wales</p> </div> </div> </div> </header> </div> </div>  <section class="row align-left"> <div class="columns small-12 medium-12 large-12"> <nav aria-label="You are here:" role="navigation"><ul class="breadcrumbs"><li><a href="https://www.lgpsmember.org/help-and-support/">Help and Support</a></li><li><a href="https://www.lgpsmember.org/help-and-support/tools-and-calculators/">Tools and calculators</a></li><li><span class="current" aria-label="This is the current page:">Contributions calculator</span></li></ul></nav> </div> <div class="columns small-12 medium-8 large-7 large-offset-1 top-padding-three" id="main"> <h2>Contributions calculator</h2>   <form method="post" action="https://www.lgpsmember.org/help-and-support/tools-and-calculators/contributions-calculator/" data-abide novalidate> <input type="hidden" name="step" id="step_num" value="1"> <div class="step step-1 ">  <div class="progress-indicator"> <div class="progress-bar progress-25"><span></span></div> <span class="percentage-num">25%</span> </div>  <div class="text-wrapper"> <h3 class="scroll-point">Overview</h3> <p>When you join the LGPS you pay a percentage of your pay towards the cost of your pension. Your employer decides the percentage based on how much you earn. If you earn enough to pay tax, you will receive tax relief on the contributions – this means the real cost is less than the amount you see on your payslip.</p> <p>You can use this calculator to work out the percentage you will pay and the cost to you each pay period, before and after tax relief. You can also show the cost if you were to move to the 50/50 section of the LGPS.</p> <hr>  <a class="toggle-panel-link" data-toggle="how_this_tool_works_panel" tabindex="0" role="button"><h4 class="green">How this tool works</h4></a> <div class="toggle-panel-content" id="how_this_tool_works_panel" data-toggler data-animate="fade-in fade-out" style="display: none;"> <p>You need to enter the information below:</p> <ul class="bottom-margin-two"> <li>How much you earn </li> <li>How often you are paid</li> <li>Your tax-free allowance</li> <li>The section of the LGPS you pay into</li> </ul> <p>The calculator will default to the standard tax-free allowance. You can change it if your allowance is different.</p> </div> <hr> </div> <div class="button-nav text-right"> <a href="#step-2" class="button secondary step-next">Continue</a> </div> </div>  <div class="step step-2 hide">  <div class="progress-indicator progress-step-2"> <div class="progress-bar progress-50"><span></span></div> <span class="percentage-num">50%</span> </div>  <div> <h3 class="scroll-point">Pension details</h3> <p>* Denotes a required field</p> <div class="field-wrapper"> <label for="penpay">Yearly pensionable pay (£)* <span class="show-for-sr"> - This is a required field</span></label><input type="hidden" id="penpay_maxpay" class="hide" value="250000"> <div class="form-error penpay-field-error" data-form-error-for="penpay">Pay figure above £250000 please check.</div> <div class="tooltip-wrapper"> <input type="text" name="penpay" id="penpay" inputmode="numeric" value=""> <span data-tooltip="" data-click-open="true" data-position="bottom" data-alignment="right" data-h-offset="-25" data-allow-overlap="true" data-allow-html="true" title="<span id='penpay_tooltip_text'><p><strong>This includes your normal salary, bonuses, overtime, shift allowance etc.</strong></p></span>" class="inline" tabindex="0"><span class="tool-tip-icon">? <span class="show-for-sr">This includes your normal salary, bonuses, overtime, shift allowance etc.</span></span></span> </div> </div> <div class="field-wrapper"> <label for="payf">Pay frequency* <span class="show-for-sr"> - This is a required field</span></label> <div class="tooltip-wrapper"> <select name="payf" id="payf"> <option value="">Select...</option> <option value="monthly">Monthly</option> <option value="weekly">Weekly</option> </select> <span data-tooltip="" data-click-open="true" data-position="bottom" data-alignment="right" data-h-offset="-25" data-allow-overlap="true" data-allow-html="true" title="<span id='payf_tooltip_text'><p><strong>How often you are paid.</strong></p></span>" class="inline" tabindex="0"><span class="tool-tip-icon">? <span class="show-for-sr">How often you are paid.</span></span></span> </div> </div> <div class="field-wrapper"> <label for="pa">Personal tax allowance (£)* <span class="show-for-sr"> - This is a required field</span></label> <div class="tooltip-wrapper"> <input type="text" name="pa" id="pa" inputmode="numeric" value="£12,570"> </div> </div> <div class="callout info"> <p>Tax Allowance is set to £12,570 but if you know you have a different personal tax allowance please input here</p> </div> <div class="field-wrapper"> <label for="section">Section of scheme* <span class="show-for-sr"> - This is a required field</span></label> <div class="tooltip-wrapper"> <select name="section" id="section"> <option value="">Select...</option> <option value="main">Main section</option> <option value="50/50">50/50 section</option> </select> <span data-tooltip="" data-click-open="true" data-position="bottom" data-alignment="right" data-h-offset="-25" data-allow-overlap="true" data-allow-html="true" title="<span id='section_tooltip_text'><p><strong>Choose a section of the scheme.</strong></p></span>" class="inline" tabindex="0"><span class="tool-tip-icon">? <span class="show-for-sr">Choose a section of the scheme.</span></span></span> </div> </div> </div> <div>  <div id="contentopt" class="results hide"> <div id="results" class="top-margin-three">  <h3 class="" id="results_heading" tabindex="0">Results</h3>  <table class="results-table"> <tbody> <tr> <th>Contribution band</th> <td>Up to £17,600</td> </tr> <tr class="no-bottom-border"> <th>Main scheme contribution rate</th> <td>5.5%</td> </tr> <tr class="highlight no-bottom-border"> <th><strong>Your contribution rate</strong></th> <td><strong>5.5%</strong></td> </tr> <tr> <th>Your contributions before tax relief</th> <td>£ 0 </td> </tr> <tr> <th>Tax saving</th> <td>£ 0</td> </tr> <tr class="no-bottom-border"> <th>Marginal tax rate</th> <td>0%</td> </tr> <tr class="highlight no-bottom-border"> <th><strong>Your contributions after tax relief</strong></th> <td><strong>£ 0.00</strong></td> </tr> <tbody> <tfoot> <tr> <td colspan="2"></td> </tr> </tfoot> </table>  <div id="minh"> </div>  </div> <div class="top-margin-three"> <hr>  <a class="toggle-panel-link" data-toggle="about_your_results_panel" tabindex="0"><h4>About your results</h4></a> <div class="toggle-panel-content" id="about_your_results_panel" data-toggler data-animate="fade-in fade-out" style="display: none;"> <p>Your employer decides your contribution rate based on how much you earn. If you have more than one job, your contribution rate will be decided separately for each job. Your contribution rate will be re-assessed every April. If your pay changes during the year, your employer may decide to review your contribution rate at that time. The pay bands are adjusted each year in line with inflation.</p> <p>The calculator assumes you are resident in England and Wales for tax purposes. It does not accurately reflect tax relief for employees earning over £100,000 (where the tax allowance reduces by £1 for every £2 earned over £100,000). Councillor members of the LGPS are not covered by this calculator and should not use it. </p> </div> </div> </div>   <div class="button-nav text-right"> <a href="#step-1" class="button back step-back step-back-1">Back</a> <input type="submit" class="button secondary step-next disabled" id="calculate_submit" value="Calculate"> </div> <div class="button-nav text-right top-margin-two"> <a href="#step-3" class="button next-steps arrow-link step-next disabled">Next steps</a> </div> </div> </div> </form>  <div class="step step-3 hide"> <span class="scroll-point"></span>  <div class="progress-indicator"> <div class="progress-bar progress-100"><span></span></div> <span class="percentage-num">100%</span> </div>  <div class="text-wrapper"> <h3>Next steps</h3> <div class="next-steps-content"><p>For information about joining the scheme and increasing or decreasing how much you pay, use the links below:</p> <ul> <li><a href="https://www.lgpsmember.org/your-pension/the-essentials/who-can-join-the-lgps/">Who can join the scheme?</a></li> <li><a href="https://www.lgpsmember.org/your-pension/paying-in/paying-more/">Paying more</a></li> <li><a href="https://www.lgpsmember.org/your-pension/paying-in/paying-less/">Paying less</a></li> <li><a href="https://www.lgpsmember.org/help-and-support/videos/#looking-after-your-pension">Watch the video – Looking after your pension (01:46)</a></li> </ul> </div> <div class="button-nav text-right top-margin-three"> <a href="#step-2" class="button back step-back">Back</a> </div> </div> </div>   </div> </section>  <div class="rating-container"> <section class="row text-center align-center-middle"> <div class="columns small-12 medium-12 text-center"> <hr> </div> <div class="columns small-12 medium-6 text-center medium-text-right"> <h4 id="post_ranking_label" tabindex="0">Was this page helpful?</h4> </div> <div class="columns small-12 medium-6 text-center medium-text-left"> <div class="post-rating-tool" data-post-rating-id="385" aria-labelledby="post_ranking_label"><button class="button hollow secondary small rating-up" aria-label="Yes this page was helpful">Yes</button><button class="button hollow secondary small rating-down" aria-label="No this page was not helpful">No</button></div>  </div> </section> </div>   <div class="footer_wrapper"> <footer class="row"> <div class="columns small-12 medium-12 large-12"> <h3>LGPS - Local Government Pension Scheme</h3> </div> <div class="columns small-12 medium-6 large-3"> <ul class="menu parent vertical"> <li class="first-menu-item menu-item menu-item-type-post_type menu-item-object-page menu-item-has-children menu-item-290"><a href="https://www.lgpsmember.org/about-the-lgps/">About the LGPS</a><ul class="menu vertical"> <li class="menu-item menu-item-type-post_type menu-item-object-page menu-item-1019"><a href="https://www.lgpsmember.org/about-the-lgps/about-the-lgps/">Facts and figures</a></li> <li class="menu-item menu-item-type-post_type menu-item-object-page menu-item-1021"><a href="https://www.lgpsmember.org/about-the-lgps/how-the-lgps-is-run/">How the LGPS is run</a></li> <li class="menu-item menu-item-type-post_type menu-item-object-page menu-item-1020"><a href="https://www.lgpsmember.org/about-the-lgps/what-to-expect-from-your-pension-fund-and-employer/">What to expect from your pension fund and employer</a></li> <li class="menu-item menu-item-type-post_type menu-item-object-page menu-item-293"><a href="https://www.lgpsmember.org/about-the-lgps/news/">News</a></li></ul></li> </ul> </div> <div class="columns small-12 medium-6 large-3"> <ul class="menu parent vertical"> <li class="first-menu-item menu-item menu-item-type-post_type menu-item-object-page menu-item-has-children menu-item-298"><a href="https://www.lgpsmember.org/your-pension/">Your pension</a><ul class="menu vertical"> <li class="menu-item menu-item-type-post_type menu-item-object-page menu-item-294"><a href="https://www.lgpsmember.org/your-pension/the-essentials/">The essentials</a></li> <li class="menu-item menu-item-type-post_type menu-item-object-page menu-item-295"><a href="https://www.lgpsmember.org/your-pension/paying-in/">Paying in</a></li> <li class="menu-item menu-item-type-post_type menu-item-object-page menu-item-296"><a href="https://www.lgpsmember.org/your-pension/planning/">Planning</a></li> <li class="menu-item menu-item-type-post_type menu-item-object-page menu-item-297"><a href="https://www.lgpsmember.org/your-pension/thinking-of-leaving/">Thinking of leaving</a></li> <li class="menu-item menu-item-type-post_type menu-item-object-page menu-item-1015"><a href="https://www.lgpsmember.org/your-pension/councillor-pensions/">Councillor pensions</a></li> <li class="menu-item menu-item-type-post_type menu-item-object-page menu-item-2171"><a href="https://www.lgpsmember.org/mccloud-remedy/">The McCloud Remedy</a></li></ul></li> </ul> </div> <div class="columns small-12 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