⚡ Quick Answer
The full new State Pension is £221.20/week (£11,502/year) in 2025/26. You need 35 qualifying NI years. The minimum workplace pension contribution is 8% of qualifying earnings (3% employer + 5% employee). Check your State Pension forecast on GOV.UK ↗
Types of UK Pension
State Pension
- £221.20/week (2025/26)
- Increases by triple lock each year
- Requires 35 NI qualifying years
- Access from age 66 (rising to 67 by 2028)
Workplace Pension
- Auto-enrolled if earning £10,000+
- Min 8% total contribution
- Employer contributes at least 3%
- Tax relief on your contributions
Pension Tax Relief
Pension contributions attract income tax relief. A basic rate taxpayer paying £80 into their pension gets it topped up to £100 by the government. Higher rate taxpayers can claim additional relief via self-assessment. HMRC pension tax relief guide ↗
Pension Calculators
Frequently Asked Questions
- Tax relief turns £80 into £100 (£60 for higher-rate payers) — the best mainstream tax break
- Check ongoing charges — a 1% fee gap can consume a quarter of a lifetime pot
- Capture the full employer match before any other saving — free money first
Insider Notes
Your NI record is editable: gaps from career breaks can often be filled — a voluntary Class 3 year costs ~£800 and can add £300+/year for life. Check the forecast on GOV.UK before the buy-back window rules tighten.
Small fee differences compound into life-changing sums: a 1% fee gap can consume a quarter of a lifetime pot. Check the ongoing charge on every pot; switching platforms is easier than it looks.
Unclaimed employer match is a pay cut you volunteered for: contribute enough to capture the full match — an instant 100% return before growth — before ISAs, overpayments or anything else.
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