Answers · UK 2025/26
Can I pay into my spouse's pension?
Yes. You can contribute to a non-earning or low-earning spouse's pension up to £2,880 net per year (£3,600 gross with 25% basic-rate tax relief added by HMRC). If they have UK earnings, contributions up to 100% of those earnings or £60,000 (whichever is lower) qualify for relief.
Full answer
There is no restriction on funding a spouse or partner's pension. The tax-relieved limit follows the recipient's circumstances, not the payer's. For a non-earner or someone with earnings below £3,600, you can pay in up to £2,880 net per tax year; HMRC adds 20% basic-rate relief inside the scheme, taking it to £3,600 gross. For an earning spouse, contributions up to 100% of their relevant UK earnings or the £60,000 annual allowance (lower) attract tax relief at their marginal rate via relief-at-source. Useful planning angles: (a) Equalising pension pots reduces a couple's lifetime tax bill in retirement by using both Personal Allowances and lower-rate bands; (b) Non-earner pensions still receive the 25% gross-up bonus over 8 years compound — £2,880/year for 18 years can build a meaningful retirement fund; (c) The contribution does not give the paying spouse any tax relief on their own bill — only the recipient enjoys the tax-free growth and tax-free 25% lump sum.
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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.