Question 1

What are the pension contribution limits for 2026/27?

Accepted Answer

The annual allowance is £60,000 (or 100% of earnings if lower). The Lifetime Allowance was abolished from April 2024. Tax relief is available at your marginal rate (20%/40%/45%).

Question 2

What is auto-enrolment?

Accepted Answer

Auto-enrolment requires UK employers to enrol eligible workers into a workplace pension. Minimum contributions: 3% employer + 5% employee (8% total) on qualifying earnings between £6,240 and £50,270.

Question 3

How much State Pension will I get?

Accepted Answer

The full new State Pension for 2026/27 is approximately £221.20/week (£11,502/year). You need 35 qualifying years of NI contributions for the full amount. Each qualifying year adds roughly 1/35th.

UK Pension Calculator 2026/27

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