Pay in extra

There are rules for how much you and your employer can contribute to your pension together. 

In 2025 the following applies: 

Old-age savings:
More than 7 years until your state pension age:
You or your employer can contribute up to 9.400.

Less than 7 years until your state pension age:
You or your employer can contribute up to 61.200.

Annuity pension:
You or your employer can contribute up to 65.500.

Lifetime pension: 
There is no limit to how much you or your employer can contribute to your lifetime pension.

You can see the contributions from your employer and any you may be making yourself under Contributions.

If you put extra money into your savings separately from your employer, you can typically have it paid out three years before reaching your state pension age. If you want the money earlier, you have to pay 60 percent tax. 

There are other rules for contributions from your employer.

See when you can have your pension paid out

Most of the money you pay into your pension plan is tax deductible. However, you do not have to deduct these contributions from your tax return.

The contributions to your pension are deducted from your salary before the tax is calculated.