{"id":23182,"date":"2025-05-13T10:03:21","date_gmt":"2025-05-13T10:03:21","guid":{"rendered":"https:\/\/www.rbcwealthmanagement.com\/en-uk\/insights\/how-much-should-i-pay-into-my-pension\/"},"modified":"2026-05-26T18:22:49","modified_gmt":"2026-05-26T18:22:49","slug":"how-much-should-i-pay-into-my-pension","status":"publish","type":"post","link":"https:\/\/www.rbcwealthmanagement.com\/en-uk\/insights\/how-much-should-i-pay-into-my-pension","title":{"rendered":"How much should I pay into my pension?"},"content":{"rendered":"\n

There are several rules of thumb for how much you should pay into your pension<\/a>.<\/p>\n\n\n\n

These include building up a pension pot that\u2019s ten times your average salary; contributing 10% to 15% of your income each month; and if you\u2019re just starting out, dividing your age by two and contributing that number as a percentage of your salary (i.e. a 40-year-old would contribute 20%).<\/p>\n\n\n\n

While rules of thumb can be useful to an extent, the actual amount you should pay into your pension will depend on factors that are completely personal to you, such as how much you\u2019ve saved so far and what type of lifestyle you want in retirement<\/a>.<\/p>\n\n\n\n\n\n\n\n\n
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Download: A guide to saving for retirement<\/h5>\n

Jam-packed with essential information on how to enjoy a more comfortable life after work.<\/p>\n

Download now<\/a><\/strong><\/p>\n

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To help you get started, here are some questions to consider.<\/p>\n\n\n\n

How much can you afford to save?<\/h2>\n\n\n\n

It\u2019s really important not to save more than you can afford. You can\u2019t access money in a defined contribution (DC) pension until age 55 (or 57 from April 2028), so you must be comfortable locking away your savings for the long term. A good place to start would be to draw up a list of your regular expenditure \u2013 both essential and discretionary \u2013 and then work out how much money is left over each month.<\/p>\n\n\n\n

Saving your excess income into a pension could make a big difference to how much money you have in retirement. However, you should also check whether you\u2019ve built up a big enough \u2018rainy day\u2019 fund. Holding at least six months\u2019 worth of essential expenditure in an easy-access savings account could help pay the bills if you suffer a period of unemployment, or cover unexpected emergencies like your boiler or car breaking down. <\/p>\n\n\n\n

Do you receive employer contributions?<\/h2>\n\n\n\n

Pension contributions from your employer<\/a> can make a big difference to your overall savings. If it isn\u2019t clear from your payslip, ask your employer exactly how much they\u2019re contributing. This will help you make a more fully informed decision about how much to pay in yourself.<\/p>\n\n\n\n

Under auto-enrolment, employers must contribute a minimum of 3% of your \u2018qualifying earnings\u2019 each year (\u00a36,240 to \u00a350,270 in the 2025\/26 tax year), while you must contribute a minimum of 5%, including tax relief. Some employers apply the pension contribution to the whole of your earnings, not just to qualifying earnings. Others might offer higher contributions as you get older, or once you\u2019ve worked for the firm for a certain amount of time.<\/p>\n\n\n\n

What\u2019s your pension annual allowance?<\/h2>\n\n\n\n

Bear in mind that there\u2019s a cap on the amount you and your employer can pay into your pension each year and still get tax relief. For most people, the amount you are permitted to pay into a pension and receive income tax relief on is your UK relevant earnings, capped at the annual allowance<\/a> of \u00a360,000 (this might be tapered if your adjusted income exceeds \u00a3260,000). If you exceed your annual allowance, you’ll have to pay an annual charge, which essentially claws back any tax relief received on the excess contribution.

For example, if you have an ‘adjusted income’ of \u00a3260,000 or more and your ‘threshold income’ exceeds \u00a3200,000, your annual allowance will be tapered<\/a> by \u00a31 for every \u00a32 of adjusted income that exceeds \u00a3260,000, down to a minimum floor of \u00a310,000.<\/p>\n\n\n\n

How much have you saved so far?<\/h2>\n\n\n\n

The current value of your pensions will be an important factor in determining how much more you need and want to save. How long you have left until retirement will be another influencing factor. If you have, say, ten years to go until retirement and your pension is on the small side, you may wish to think seriously about upping your pension contributions.<\/p>\n\n\n\n

If you\u2019ve had several jobs throughout your career, you could have accumulated multiple pension pots<\/a>. A financial adviser can help you work out the total value of all your pensions, so that you have a more accurate view of your existing savings. They can then help you work out how much more you need to save to increase your chances of a comfortable and fulfilling retirement<\/a>.<\/p>\n\n\n\n

When was the last time you increased your pension contributions?<\/h2>\n\n\n\n

It\u2019s easy to pick a round number to pay into your pension each month and then forget about it. But if you\u2019ve received a pay rise<\/a> and haven\u2019t subsequently increased your pension contributions, this could be a wasted opportunity. When you earn more money, it\u2019s easy for the extra cash to go towards additional discretionary spending. But paying the extra income into your pension could have a much bigger impact on your overall happiness and financial wellbeing.<\/p>\n\n\n\n

It also avoids the risk of your extra income sitting in your bank account, where its real value could decline over time. Although interest rates have risen in the past year, savings held in cash will tend to lose value over the long term due to inflation eroding its purchasing power. Investing your extra income in your pension will give it the chance to grow in real terms. What\u2019s more, you\u2019ll get tax relief<\/a> on your personal pension contributions, which provides an immediate boost.<\/p>\n\n\n\n

Next steps<\/h2>\n\n\n\n

Knowing how much you need to save into your pension each month isn\u2019t straightforward, and that\u2019s where getting some financial advice<\/a> comes in. A financial adviser can explain how big your pension is likely to be at retirement based on your existing savings habits, and demonstrate the impact of increasing your pension contributions. They\u2019ll also check that your pension is invested in a portfolio that suits your individual circumstances and is robust enough to help deliver performance over the long term.<\/p>\n\n\n\n

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Get financial planning tips straight to your inbox<\/h5>\n

Sign up to our newsletter for expert insights on investing for the future, saving for retirement, passing on assets to the next generation, and much more.<\/p>\n

Subscribe<\/a><\/strong><\/p>\n

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The value of investments, and any income from them, can fall and you may get back less than you invested. This does not constitute tax or legal advice. Tax treatment depends on the individual circumstances of each client and may be subject to change in the future. Information is provided only as an example and is not a recommendation to pursue a particular strategy.<\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"

Wondering how much to save into your pension each month? 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