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AIBU?

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Original poster

SAHM and pension

84 replies

Marroon · 19/08/2026 20:04

I’m probably being unreasonable to ask here to begin with but if you’re a SAHM how are you saving for a pension?
Anything that’s a better or worse option from your perspective?

OP posts:

avonleabonbon · 19/08/2026 20:35

I made the mistake of not paying into a SIPP when a SAHM. DH would absolutely have contributed to it had we a clue about finances. Now I’m working again with a teaching pension I’m trying to make up lost time by contributing to a private SIPP.
Rebel Finance school is a very helpful short, free online course that equips people to take ownership of their own money. I wish I’d accessed it years ago. It’s on Facebook.

T0wer0fb00ks · 19/08/2026 20:27

Each individual should check this

https://www.gov.uk/check-state-pension

Check your State Pension forecast

Find out how much State Pension you could get (your forecast), when you could get it and how you could increase it

https://www.gov.uk/check-state-pension

T0wer0fb00ks · 19/08/2026 20:26

Every individual should check their own record

https://www.gov.uk/check-national-insurance-record

Check your National Insurance record

Find out if you've paid enough National Insurance to qualify for the full State Pension - check gaps, contributions and credits, get a National Insurance statement, call the helpline.

https://www.gov.uk/check-national-insurance-record

T0wer0fb00ks · 19/08/2026 20:24

SIPP are private pensions

Which you would have on top of your state pension

The alternative is to pay into a tax free ISA
These can be accessed anytime

Lmnop22 · 19/08/2026 20:19

It’s not saving into a pension but my understanding is that you would still qualify for a state pension if receiving child benefit as a SAHM

HermioneWeasley · 19/08/2026 20:18

I saved into a pension for DW when she was a SAHM.

Original poster

Marroon · 19/08/2026 20:16

T0wer0fb00ks · 19/08/2026 20:10

Anyone not earning can pay a maximum of £2880 into a SIPP per year. The Government will add FREE money up to £3600

Then there will be compound interest each year

I recommend doing this

The only downfall is that you cannot access the money until 55 or 57 depending on your age.

Great this is helpful.
Having it locked that long is almost better, I want to make sure it’s a back up pension option for me if something happened to DH or the marriage rather than anything that could be joint ‘savings’ used for other things down the line.