Money & Finance
Self-Employed Pensions
No employer means no workplace pension and no employer contribution. Here are the options open to you, and the tax relief that closes some of the gap.
Free tool
Pension Calculator
See what your pension pot could grow to by retirement, based on what you have saved so far and what you add each month.
Projected pot at retirement£431,533
incl. your contributionsUp to £107,883 of that could normally be taken tax-free.
A simple projection in today’s money terms, before charges and inflation. It excludes the State Pension and any tax relief added to your contributions, both of which can make a big difference.
Small contributions, big difference
Because pension savings grow on top of previous growth, the earlier and more regularly you pay in, the further your money goes. Two extra things make pensions especially powerful, and this calculator does not include either, so your real pot could be larger:
- Tax relief. The government tops up personal contributions, at least 20% for basic-rate taxpayers.
- Employer contributions. If you are employed, your workplace usually pays in too.
Lost track of old pots? Our guide on finding and combining old pensions is a good place to start.
Keep reading
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