Pre-filled with typical Creative & Media figures: 6 employees, £40,000 average salary. Adjust the sliders for your actual numbers.

Pension Auto-Enrolment Calculator

All employers must contribute at least 3% of qualifying earnings (between £6,240 and £50,270) to employee pensions. Calculate your total annual cost.

16500
£10k£40,000£100k
3%3%10%

Total Annual Pension Cost

£6,077

3% employer contribution on qualifying earnings

Per employee cost£1,013/yr
Qualifying earnings band£33,760
Effective % of gross salary2.5%

Monthly Pension Cost

£506 /month

Creative & Media — Key Concerns

  • Many freelancers and small studios operate near the VAT threshold
  • Mix of employed staff and freelance contractors complicates cost planning
  • MTD is a significant concern for sole-trader creatives

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Frequently Asked Questions

What is the minimum employer pension contribution?
The minimum employer contribution is 3% of qualifying earnings (earnings between £6,240 and £50,270 per year).
Who needs to be auto-enrolled?
All workers aged 22 to State Pension age, earning above £10,000 per year, must be automatically enrolled in a workplace pension scheme.
Can employees opt out?
Yes, employees can opt out within one month. But you must re-enrol them every 3 years if they remain eligible.