Answers · UK 2025/26
What is the minimum pension contribution in the UK?
Auto-enrolment minimum total contribution is 8% of qualifying earnings: 5% from the employee and 3% from the employer. Qualifying earnings are between £6,240 and £50,270 in 2026/27.
Full answer
Under workplace auto-enrolment rules for 2026/27, the minimum total pension contribution is 8% of qualifying earnings: at least 3% from the employer and at least 5% from the employee (including tax relief). Qualifying earnings are the slice of pay between £6,240 and £50,270 per year — so on a £30,000 salary the qualifying band is £23,760, and the minimum total contribution is 8% × £23,760 = £1,901/year. Employers can choose a higher contribution structure, but may not go below 3%. Employees can opt out but will miss the free employer contribution and tax relief. Some pension schemes use "total earnings" or "basic pay" definitions that can be more generous. The annual pension contribution limit (Money Purchase Annual Allowance) is £60,000 or 100% of earnings, whichever is lower. Use the Auto-Enrolment calculator to see your minimum and potential contributions.
Try the calculator
More answers
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.