Can I Top Up My Personal Pension?

I’m planning to retire in a few years time and was wondering if it’s possible for me to top up my pension beforehand with extra contributions.

Question asked by Ram Cruz

If you belong to your employer’s pension scheme, then they will generally set the amount you are able to pay into your plan.

If you can afford to make additional contributions and you haven’t reached the limit you can pay in, then you should consider doing this, especially if your employer offers a ‘matched contribution’ pension arrangement,  and so they will also pay the same amount you do on your behalf.

Topping up your State Pension

It is also possible to top up your State pension. If you haven’t made enough National Insurance Contributions (NICs) to qualify for the full State pension, you may be able to make voluntary contributions to fill any gaps. You must usually make any top up payments within 6 years of missing the original payment.

If you aren’t sure whether you’ve made enough contributions to get the full state pension, you should request a state pension statement which will tell you how much you can expect to receive.

Topping up your Private Pension or Employer Scheme

If you have a private or company pension and are wondering if it makes sense to make an additional top-up and would like some advice please contact us.

Our Services & Tools

Get In Touch

Do You Need Some Help?

Our purpose is simple: Improve Your Financial Wellbeing.

We use clever technology to bring your financial future to life 🤓

See Your Financial Future
  • Find, organise and simplify your Pensions, ISAs and other investments.
  • Plan your financial future and put a strategy in place to achieve this.
  • Regularly review how you are doing to make sure you stay on track.

Pension Pot Calculator

Pension Drawdown Calculator

Final Salary Calculator

Contact Us
Head Office & Pensions and Investments
Senator House
85 Queen Victoria Street
London
EC4V 4AB
Personal Insurance & Accounts Payable
Telecom House
125-135 Preston Road
Brighton
BN1 6AF
Drewberry London Office MapDrewberry Brighton Office Map
Our Core Principles
  • 1You Come FirstWe are a client focused business who always aim to put you first.
  • 2We are ExpertsTo provide you with the best advice, we need to know our stuff!
  • 3We are HumanWe are real people with feelings who are here to help you.
  • 4We are ProfessionalProviding a 5-star service requires a professional approach to everything we do.
  • 5We are here to EducateWe don't believe in sales, we are here to educate so you can make informed decisions.
Finalist - Moneyfacts AwardsFinalist - Cover Excellence AwardsHighly Commended - Protection Review Awards
Proud member of AMII (Association of Medical Insurers & Intermediaries)Proud member of Money Advice ServiceProud member of UnbiasedProud member of BIBA (British Insurance Brokers' Association)

If you are unhappy with our service, we have a complaints procedure, details of which are available upon request. If you are unhappy with how your complaint has been dealt with, you may be able to refer your complaint to the Financial Ombudsman Service (FOS). The FOS website is www.financial-ombudsman.org.uk.

Drewberry Ltd is registered in England and Wales. Companies House No. 06675912

Drewberry Ltd registered office: Telecom House, Preston Road, Brighton, England, BN1 6AF. Telephone 0208 432 7333

Drewberry Ltd (Financial Conduct Authority No. 505473) is an Appointed Representative of Quilter Wealth Limited and Quilter Mortgage Planning

Limited, which are authorised and regulated by the Financial Conduct Authority.

Cookie Use

Drewberry™ uses cookies to offer you the best experience online. By continuing to use our website you agree to the use of cookies. If you would like to know more about cookies and how to manage them please view our privacycookie policy.