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If you're automatically enrolled or you're a non-eligible jobholder and opt in to the pension scheme, a minimum percentage of your qualifying earnings must be paid into your pension pot. Your employer needs to pay at least 1% of this with you contributing the rest.

Phasing minimum contributions

Your employer is allowed to phase in your contributions until 2019. This would mean that your contributions start at a lower level and work their way up, as shown in the table below. Your employer will tell you if they have chosen to do this.

DatesYour contribution (including tax relief)Employer contributionTotal contribution
Until 5 April 2018 1% 1% 2%
6 April 2018 to 5 April 2019 3% 2% 5%
From 6 April 2019 5% 3% 8%

Your employer might decide to pay more than the minimum shown above, and maybe even expect you to pay less. All that matters is that the total contribution meets, or exceeds, the total minimum contributions providing your employer pays the minimum required.

You may also be able to contribute more. Just speak to your employer if you wish to do this.

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