Contribution Calculator
Precise contribution maths. For every regime.
Pensvyne calculates employer and employee pension contributions based on the exact rules of each country — updated automatically when legislation changes. Results are payroll-ready from day one.
Calculation Engine
Contribution rules are complicated. The output shouldn't be.
Regime-Specific Rates
Each country's statutory minimum and voluntary contribution rates are maintained and applied correctly. UK qualifying earnings bands, German BRSG subsidy threshold, Dutch franchise amounts, Nordic collective agreement rates.
Employer / Employee Splits
Pensvyne calculates both sides of the contribution equation — employer obligation and employee deduction — separately, so payroll and HR both have the numbers they need in the format they need them.
Salary Sacrifice Support
UK salary sacrifice and net pay arrangements require specific calculation approaches. Pensvyne handles both, with correct NI and income tax implications reflected in the output.
Automatic Rule Updates
When pension legislation changes — UK annual threshold adjustments, German BRSG subsidy revisions, Dutch WTP reform rules — Pensvyne's calculation engine is updated before the effective date.
Payroll Exports
Monthly contribution outputs export in CSV format or via API in formats compatible with common payroll systems. Employer and employee amounts clearly separated per employee and country.
Retroactive Adjustments
If a salary change was backdated or an employee's eligibility changed mid-month, Pensvyne calculates the retroactive contribution adjustment and flags it clearly for payroll review.
Reference Rates
What the calculator handles, by regime.
These rates are indicative references. Pensvyne applies current statutory values and updates them when legislation changes.
UK Auto-Enrolment
- Employer minimum: 3% of qualifying earnings
- Employee minimum: 5% of qualifying earnings
- Total minimum: 8% of qualifying earnings
- Qualifying earnings band applied to calculate pensionable pay
- Salary sacrifice and net pay arrangement variants supported
German bAV
- Employee right to convert up to 4% of BBG ceiling (€35,216/year, 2026)
- Employer BRSG subsidy: 15% on Entgeltumwandlung amounts, where applicable
- Direktversicherung premium calculation and Pensionskasse contribution routes
- Tax-exempt amount (4% of BBG ceiling) tracked per employee
Dutch Pension Act
- Franchise (offset) amounts deducted from pensionable salary before applying rates
- Scheme-specific contribution rates per collective agreement or company scheme
- WTP 2023 defined contribution transition calculation support
- Separate AOW state pension awareness (not administered but reflected in communications)
Nordic ITP / ATP / TyEL
- Swedish ITP1: defined contribution, employer contributes based on salary bands
- Swedish ITP2: defined benefit accrual tracking via Collectum
- Danish ATP: fixed statutory monthly contribution rates (employer + employee)
- Finnish TyEL: percentage of salary, split between employer and employee (age-adjusted)