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What your pension might look like

What you'll put in and what you'll build up

What you’ll put in and what you'll get

You’ll pay 6.1% of your salary, but the cost to your take-home pay may be less. This is because pension contributions get tax relief. On top of your contribution, your employer will also make a contribution equal to 14.5% of your salary each month towards your benefits and running USS.

To see what you’ll pay monthly, estimate your tax savings and what you might get when you retire enter your salary and date of birth below.

Watch our videos

Watch our How you build benefits in the Retirement Income Builder video to see how your benefits build up.

You can also find out What happens when you join the Investment Builder.

Save even more

Even if you don’t earn over the salary threshold, you can still save a bit extra by making additional contributions to the Investment Builder. Just remember, your investments could go up or down – it all depends on how your investments perform.

To start making additional contributions, head over to My USS. To get an estimate of how much your additional contributions to the Investment Builder could provide as a savings pot when you come to take them, you can use the Benefit Calculator in My USS.

What is salary sacrifice?

Your employer may offer salary sacrifice, which is sometimes referred to as other names such as Pension Plus.

Please speak to your employer to find out if they offer salary sacrifice.

Need some advice or guidance

MoneyHelper brings three legacy consumer brands into one (Money Advice Service, The Pensions Advisory Service and Pension Wise). MoneyHelper is there to make your money and pension choices clearer. They offer impartial guidance that's backed by the government and free to use. MoneyHelper is available at

If you want to seek guidance or take financial advice on your options, visit the guidance and financial advice page. You’ll find a range of resources to support your planning and can sign up to our guidance webinars too.

Got a question?