Automatic enrolment if you earn up to £10,000

Only workers earning more than £10,000 – and aged between 22 and State Pension age – will be automatically enrolled into a workplace pension by their employers. But if you earn less, you still have the right to join a workplace pension, and you may still be entitled to pension contributions from your employer.

If you earn less than £5,824

You won’t be automatically enrolled into your employer’s workplace pension scheme.

If you ask, your employer has to give you access to a pension to save into, and has to make arrangements for you to join, but they’re not required to contribute to it.

If you earn between £5,824 and £10,000 (inclusive)

You won’t be automatically enrolled into your employer’s workplace pension scheme. However, you have the right to opt in.

If you join the scheme, then – provided you’re aged between 16 and 74 – your employer will have to contribute to it as well.