Answers · UK 2025/26
Can I still contribute to a pension after I retire?
Yes, you can contribute to a pension after retirement up to age 75, subject to the Annual Allowance of £60,000 or your net relevant earnings if lower, and still receive tax relief.
Full answer
There is no rule preventing you from contributing to a pension after you retire, provided you are under 75 years old. You can contribute up to 100% of your UK earnings (or £3,600 gross if you have no earnings) and receive basic-rate tax relief. The overall Annual Allowance is £60,000 for 2026/27. However, if you have already flexibly accessed (drawn down) from a defined contribution pension, the Money Purchase Annual Allowance (MPAA) of £10,000 applies, severely limiting further contributions. If you have no earnings in retirement, you can still contribute up to £2,880 net per year (£3,600 gross with 20% relief added by the government). After age 75, tax relief on contributions ceases entirely.
This answer is informational only and does not constitute financial, tax or legal advice. Figures are for the 2025/26 UK tax year. See our methodology and sources.