Meet the Other Phone. A phone that grows with your child.

Meet the Other Phone.
A phone that grows with your child.

Buy now

Please or to access all these features

Money matters

Find financial and money-saving discussions including debt and pension chat on our Money forum. If you're looking for ways to make your money to go further, sign up to our Moneysaver emails here.

What % does your employer pay into your pension?

127 replies

worldwidetravel2017 · 24/04/2025 10:13

Hi
What percent does your employer pay into your pension ?
( mine pays the min and understandably im not exactly exstatic about it )

OP posts:
GalacticTowelMaster · 26/04/2025 09:00

15% employer, plus an additional 10% of whatever I put in (essentially the employer ni I am saving them)

ALunchbox · 26/04/2025 09:14

14.5%

Overthemoun · 26/04/2025 09:23

We don’t have to contribute to ours and there’s no matching. Private sector.

5% initially
6.5% 5 years service
7.5% 10 years
10% 15 years
12.5% 20 years

i put in 20% currently

Wingingitbestican · 26/04/2025 16:41

Private company - match up to 8% and after three years service they add an extra 4-% , which you don’t have to match

TeaIsNice · 26/04/2025 16:44

50% - I'm in EU though

Oblomov25 · 26/04/2025 17:35

3%. All the other posts make me jealous.

Katieweasel · 26/04/2025 17:36

Charity. Mine match up to 10%

Mounj25 · 26/04/2025 18:21

3%!!!

GivingUpFinally · 26/04/2025 18:30

3% on base salary nothing in bonus or commission

StClabberts · 26/04/2025 19:23

8%, so I put more in on top.

Almahart · 26/04/2025 19:26

8% - a charity

TheHonestGreenUser · 26/04/2025 19:29

Nhs here so 23% I think. Don't know where it goes though as I am on a CARE scheme which means 1/54th of my salary per year goes into the pot, sits there and grows each year.... then the total number at when I retire is my annual amount. No matter how many videos I watch nothing is ever mentioned re employer contribution.

gianfrancogorgonzola · 26/04/2025 19:31

Self employed so I am my own employer and contribute 33.3333333% at least per month

Lordofmyflies · 26/04/2025 19:33

Self employed so no one else contributes hence me sinking 25% of my income into private pension pots.

Musicaltheatremum · 26/04/2025 21:37

TheHonestGreenUser · 26/04/2025 19:29

Nhs here so 23% I think. Don't know where it goes though as I am on a CARE scheme which means 1/54th of my salary per year goes into the pot, sits there and grows each year.... then the total number at when I retire is my annual amount. No matter how many videos I watch nothing is ever mentioned re employer contribution.

It goes to fund the current pensions. Your contributions do too. You don't build up a pot in the NHS. They allocate you 1/54 each year but that will be paid to you by the people contributing to the scheme when you retire

gertinthebackofthevan · 26/04/2025 21:43

I thought mine was amazingly generous at 10% (i used to get absolute minimum for decades until i moved jobs) i never knew people could get as much as 25% , what sort of companies and industries pay those %?

moleeye · 26/04/2025 22:12

My employer pays 12%, I pay in an additional 8% and they match 3% of that

QuartzIlikeit · 27/04/2025 08:26

I pay 6.8% and they pay around 18%.

TheHonestGreenUser · 27/04/2025 10:54

Musicaltheatremum · 26/04/2025 21:37

It goes to fund the current pensions. Your contributions do too. You don't build up a pot in the NHS. They allocate you 1/54 each year but that will be paid to you by the people contributing to the scheme when you retire

Thanks , so how does what my.employer pay make a difference to my actual pension? I've never really understood that bit
Thanks

TrinityClover · 27/04/2025 15:26

15% plus 10% of my contribution.

Musicaltheatremum · 28/04/2025 16:33

TheHonestGreenUser · 27/04/2025 10:54

Thanks , so how does what my.employer pay make a difference to my actual pension? I've never really understood that bit
Thanks

Nope doesn't make any difference. You're just funding my current pension at the moment. Thank you 🙏 . I had to explain this to my staff as they changed the way they calculated the % for employees who were part time so they were paying in a lower percentage but it doesn't affect their final pension.

snowlaser · 29/04/2025 15:22

10% of salary (although salary is only about 75% of my total earnings, so it's like 7.5% of my total earnings)

snowlaser · 29/04/2025 15:25

gertinthebackofthevan · 26/04/2025 21:43

I thought mine was amazingly generous at 10% (i used to get absolute minimum for decades until i moved jobs) i never knew people could get as much as 25% , what sort of companies and industries pay those %?

It may be that these are public sector employees and it's a DB (eg final salary) pension not a pot

mill1969 · 29/04/2025 15:50

Final salary pensions were stopped years ago in the public sector

Musicaltheatremum · 29/04/2025 15:59

mill1969 · 29/04/2025 15:50

Final salary pensions were stopped years ago in the public sector

Edited

Yes, they're career average now but still bear no resemblance to what you're paying in. Public service employees pay a lot as does the employer IE NHS, teaching so tax payer really.

I think it's important in these threads to make the distinction between defined benefit and defined contribution pensions.