Automatic enrolment if you’re 21 or under

Automatic enrolment only applies to workers aged 22 or over. But if you’re younger – and earning £6,240 or more (in tax year 2021/22) – you can still opt in and benefit from extra money from your employer.

What’s in this guide

Start early if you can

If you’re under the age of 22, you won’t be automatically enrolled into your employer’s workplace pension scheme along with your older colleagues.

But if you earn £6,240 or more a year (tax year 2021/22), you have the right to opt in to the scheme.

If you opt in, you’ll be entitled to the minimum level of employer contributions.

Do you earn less than £6,240? Then you can ask your employer to give you access to a pension to save into. They have to do this – and to arrange for you to join. But they don’t have to contribute to it.

Retirement is a long way off, but saving is a great habit to get into. And if you save into a workplace pension – you could get extra money from your employer, as well as a boost from the government in the form of tax relief.

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MoneyHelper is the new, easy way to get clear, free,
impartial help for all your money and pension choices.
Whatever your circumstances or plans, move forward with MoneyHelper.

Continue to website
Looking for us? Now, we’re MoneyHelper

MoneyHelper is the new, easy way to get clear, free,
impartial help for all your money and pension choices.
Whatever your circumstances or plans, move forward with MoneyHelper.

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