Guides to workplace pensions, auto-enrolment, salary sacrifice, and the tax relief you get on each contribution. Practical numbers on how bumping your pension % changes your monthly take-home in 2026/27.
For most UK employees, a workplace pension is the starting point because your employer usually pays in too. A SIPP can suit you if you want more investment choice or extra pension saving alongside work. The best fit depends on employer contributions, fees, flexibility and how you claim tax relief.
28 Jul 2026
Pension contributions can reduce the amount of income tax you pay because most contributions receive tax relief. If you pay into a workplace or personal pension, some or all of your contributions may be made before income tax is calculated or receive tax relief afterwards. Employer contributions are also tax-efficient and do not count as taxable income. Contributing more to your pension can reduce your taxable income and, in some cases, keep you in a lower tax band.
11 Jul 2026