Auto-enrolment
The UK requirement since 2012 for employers to automatically enrol eligible workers into a workplace pension with minimum contributions.
Auto-enrolment requires employers to enrol workers aged 22+ earning above £10,000 into a qualifying pension scheme. The minimum total contribution is 8% of qualifying earnings (the band between £6,240 and £50,270): at least 3% from the employer and 5% from the employee.
Workers can opt out but lose the employer contribution — effectively turning down free money. NEST is the default scheme for employers who don't choose their own provider. Auto-enrolment has brought over 10 million UK workers into pension saving since 2012, but the minimum contribution rates are widely considered insufficient for a comfortable retirement.
This calculator provides estimates based on 2025/26 tax rates and is not financial advice. Scottish taxpayers are subject to different income tax rates and bands. The calculations assume your salary is your only source of income and do not account for benefits in kind or other taxable income.
For personalised guidance on your pension contributions, speak to an FCA-regulated financial adviser. You can find one via Unbiased or VouchedFor.