--- title: Guide To Know How Much Extra I Can Pay Into My Pension description: If you have extra income, you might be wondering how much extra you can pay into your pension and whether it is worthwhile. Read on to find out more. image: https://www.integritasfp.co.uk/hubfs/how-much-extra-can-i-pay-into-my-pension.jpg --- - [01283777014](tel:01283777014) - [enquiries@integritasfp.co.uk](mailto:enquiries@integritasfp.co.uk) [facebook-f icon](https://www.facebook.com/IntegritasFP) [linkedin-in icon](https://www.linkedin.com/company/integritas-financial-planners-ltd/) [REQUEST CONSULTATION](https://www.integritasfp.co.uk/book-a-meeting) [![integritaslogo](https://www.integritasfp.co.uk/hs-fs/hubfs/Integritas_Theme_Mar2022/integritaslogo.png?width=510&height=82&name=integritaslogo.png "integritaslogo")](https://www.integritasfp.co.uk/) ![Vouched For Top Rated 2019 - 2024](https://www.integritasfp.co.uk/hs-fs/hubfs/Vouched%20For%20Top%20Rated%202019%20-%202024.png?width=762&height=162&name=Vouched%20For%20Top%20Rated%202019%20-%202024.png) ![Integritas-vouchedfor-badge](https://www.integritasfp.co.uk/hubfs/Integritas_Theme_Mar2022/Integritas-vouchedfor-badge.webp) - [Home](https://www.integritasfp.co.uk) - [Our services](https://www.integritasfp.co.uk/services) - [Pension Advice](https://www.integritasfp.co.uk/services/pension-advice) - [Investment Advice](https://www.integritasfp.co.uk/services/investments/) - [Mortgage Advice](https://www.integritasfp.co.uk/services/mortgage-advice/) - [Protection](https://www.integritasfp.co.uk/services/protection/) - [Wills and Lasting Power of Attorney](https://www.integritasfp.co.uk/kinherit-partnership) - Why Integritas - [Why Integritas](https://www.integritasfp.co.uk/about-integritas) - [Meet the Team](https://www.integritasfp.co.uk/meet-the-team) - [Testimonials](https://www.integritasfp.co.uk/about-integritas/testimonials/) - [Sponsorship](https://www.integritasfp.co.uk/sponsorship/) - [Referral Incentive](https://www.integritasfp.co.uk/referral-incentive) - Resources - Client Agreement - [Terms and Conditions](https://www.integritasfp.co.uk/resources/client-agreement/) - [Services and Charges](https://www.integritasfp.co.uk/resources/client-agreement/-services-and-charges) - [10 Point Financial Checklist](https://www.integritasfp.co.uk/10-point-financial-checklist/) - [Protection Review Guide](https://www.integritasfp.co.uk/protection-review) - [A Guide To Pension Consolidation](https://www.integritasfp.co.uk/guide-to-pension-consolidation) - [Blog](https://www.integritasfp.co.uk/blog) - [Glossary](https://www.integritasfp.co.uk/glossary) - [Client Area](https://integritasfinplan.gb.pfp.net/) - [Contact Us](https://www.integritasfp.co.uk/contact-us) # How Much Extra Can I Pay Into My Pension? Your Guide To Extra Pension Payments Jan 19, 2023 | [0 comments](https://www.integritasfp.co.uk/blog/how-much-extra-can-i-pay-into-my-pension#respond) ![How Much Extra Can I Pay Into My Pension? Your Guide To Extra Pension Payments](https://www.integritasfp.co.uk/hubfs/how-much-extra-can-i-pay-into-my-pension.jpg) Pensions. It’s something many of us dismiss, a far-off prospect that we don’t need to worry about until we’re older. But [pensions](https://www.integritasfp.co.uk/services/pension-advice) are hugely important, ensuring that you can live comfortably once you decide to stop working. For most people, the payments that come directly out of your pay and from your employer are enough to manage. But if you have extra income, you might be wondering how much extra you can pay into your pension and whether it is worthwhile. In this article, we’ll discuss exactly how much extra you can pay into your pension, and whether you can withdraw pensions under 55. ## **Can I pay extra into my pension?** The short answer is yes, you can invest any amount into a private pension - as often as you want! This can be hugely beneficial if you have money spare and want to secure your future past [retirement](https://www.integritasfp.co.uk/blog/how-to-invest-for-your-retirement). Plus, the money you pay into your pension also qualifies for tax relief. This means that any money you pay in will be boosted by at least 25% - or more if you are a higher taxpayer. Investing additional money in your pension is a great way of setting yourself up properly for retirement. ## **Can I withdraw my pension under 55?** If you're thinking about topping up your pension, it’s important to remember that you won’t be able to take money from it until you are at least 55. Because of this, it’s important not to put away any [savings](https://www.integritasfp.co.uk/blog/5-good-ways-to-invest-your-savings) you think you may need before you retire, as you can't get it back again. Once you start to make [pension withdrawals](https://www.integritasfp.co.uk/services/pension-advice), they will be taxed, as they are seen as income. So, make sure you don't withdraw too much in one year, as it may cancel out your tax relief. ## **Should I pay extra into my pension?** If you have spare income and are approaching retirement age, it’s a great idea to start topping up your pension. Not only will this offer you some tax relief on your savings, but it will also set you up well for when you decide to retire. Before deciding if you’re ready to start paying extra, be sure to contact a financial adviser, like the experts at [Integritas Financial Planners](https://www.integritasfp.co.uk), before dealing with large sums of money. [Get in touch](https://www.integritasfp.co.uk/contact-us) today to learn more.  ***Tax rules are subject to change and taxation will vary depending on individual circumstances.*** Image source: [Pexels](https://www.pexels.com/photo/young-woman-helping-senior-man-with-payment-on-internet-using-laptop-3823488/) [![Book A Meeting](https://no-cache.hubspot.com/cta/default/8095026/interactive-187222222091.png)](https://www.integritasfp.co.uk/hs/cta/wi/redirect?encryptedPayload=AVxigLIjjynGtjqpxPiaqmoJTDUVfgwT9cNyMPPOJjB5xzvytxfv0Q4FpX4lrNAS1Jez7HhBxIuHUEiY%2FgPU7pFpkzcUjKdVu69F%2FfKyTnlJY8VK%2F%2FKLUVX2E17VgFv5d0omMxK2SlJfIemHLpqI%2B5aletS2pWvcxqz1YW3LmW1Hr2eMswgZcyCrKboKAWUHBxcBWg%3D%3D&webInteractiveContentId=187222222091&portalId=8095026) [![Book A Meeting](https://no-cache.hubspot.com/cta/default/8095026/interactive-187222222091.png)](https://www.integritasfp.co.uk/hs/cta/wi/redirect?encryptedPayload=AVxigLIjjynGtjqpxPiaqmoJTDUVfgwT9cNyMPPOJjB5xzvytxfv0Q4FpX4lrNAS1Jez7HhBxIuHUEiY%2FgPU7pFpkzcUjKdVu69F%2FfKyTnlJY8VK%2F%2FKLUVX2E17VgFv5d0omMxK2SlJfIemHLpqI%2B5aletS2pWvcxqz1YW3LmW1Hr2eMswgZcyCrKboKAWUHBxcBWg%3D%3D&webInteractiveContentId=187222222091&portalId=8095026) Search ![Integritas-Financial-Checklist-CTA-Blog-Sidebar](https://www.integritasfp.co.uk/hubfs/Integritas_Theme_Mar2022/sidebar/Integritas-Financial-Checklist-CTA-Blog-Sidebar.png "Integritas-Financial-Checklist-CTA-Blog-Sidebar") #### Recent Posts - [5 historical sites to visit in Derbyshire and Staffordshire](https://www.integritasfp.co.uk/blog/5-historical-sites-to-visit-in-derbyshire-and-staffordshire) - [Cash ISAs v Stocks and Shares ISAs: How to make the most of your savings and investments](https://www.integritasfp.co.uk/blog/cash-isas-v-stocks-and-shares-isas-how-to-make-the-most-of-your-savings-and-investments) - [Pensions and Inheritance Tax: How the upcoming changes could affect your loved ones](https://www.integritasfp.co.uk/blog/pensions-and-inheritance-tax-how-the-upcoming-changes-could-affect-your-loved-ones) - [Understanding Pension Advice Fees and What to Expect in the UK](https://www.integritasfp.co.uk/blog/how-much-should-you-pay-for-pension-advice-in-the-uk) - [Comparing Investment Strategies: Understanding Options for UK Investors](https://www.integritasfp.co.uk/blog/comparing-investment-strategies-for-uk-retail-investors) - [Your Essential Guide to Pure Protection Products & Financial Security](https://www.integritasfp.co.uk/blog/essential-protection-covers-for-financial-security-investments) - [Comparing Investment Fund Types: A Guide for UK Retail Investors](https://www.integritasfp.co.uk/blog/comparing-investment-fund-types-a-guide-for-uk-retail-investors) - [Unlocking the Power of Your ISA: Smart Move Before April 2026 Deadline](https://www.integritasfp.co.uk/blog/unlocking-the-power-of-your-isa-smart-moves-before-the-april-2026-deadline-pq4pxxsxbcnamq) - [How to Build Financial Resilience in a Post-Crisis Economy](https://www.integritasfp.co.uk/blog/how-to-build-financial-resilience-in-a-post-crisis-economy-fh0myzbelwggu6) - [Retirement Planning in Your 40s and 50s: Why 2025 Is the Time to Act](https://www.integritasfp.co.uk/blog/retirement-planning-in-your-40s-and-50s-why-2025-is-the-time-to-act-euuqit15houfo2) [![ecddbe30-1fa5-4fd3-af26-aff5915f7a70](https://www.integritasfp.co.uk/hs-fs/hubfs/ecddbe30-1fa5-4fd3-af26-aff5915f7a70.png?width=2000&height=380&name=ecddbe30-1fa5-4fd3-af26-aff5915f7a70.png "ecddbe30-1fa5-4fd3-af26-aff5915f7a70")](https://www.integritasfp.co.uk/hubfs/Integritas_Theme_Mar2022/sidebar/vouchedfor-top-rated-certificate.pdf) - [June 2026](https://www.integritasfp.co.uk/blog/archive/2026/06) - [May 2026](https://www.integritasfp.co.uk/blog/archive/2026/05) - [April 2026](https://www.integritasfp.co.uk/blog/archive/2026/04) - [March 2026](https://www.integritasfp.co.uk/blog/archive/2026/03) - [February 2026](https://www.integritasfp.co.uk/blog/archive/2026/02) - [January 2026](https://www.integritasfp.co.uk/blog/archive/2026/01) - [December 2025](https://www.integritasfp.co.uk/blog/archive/2025/12) - [November 2025](https://www.integritasfp.co.uk/blog/archive/2025/11) - [October 2025](https://www.integritasfp.co.uk/blog/archive/2025/10) - [September 2025](https://www.integritasfp.co.uk/blog/archive/2025/09) - [July 2025](https://www.integritasfp.co.uk/blog/archive/2025/07) - [June 2025](https://www.integritasfp.co.uk/blog/archive/2025/06) - [May 2025](https://www.integritasfp.co.uk/blog/archive/2025/05) - [April 2025](https://www.integritasfp.co.uk/blog/archive/2025/04) - [March 2025](https://www.integritasfp.co.uk/blog/archive/2025/03) - [February 2025](https://www.integritasfp.co.uk/blog/archive/2025/02) - [January 2025](https://www.integritasfp.co.uk/blog/archive/2025/01) - [June 2024](https://www.integritasfp.co.uk/blog/archive/2024/06) - [May 2024](https://www.integritasfp.co.uk/blog/archive/2024/05) - [April 2024](https://www.integritasfp.co.uk/blog/archive/2024/04) - [March 2024](https://www.integritasfp.co.uk/blog/archive/2024/03) - [February 2024](https://www.integritasfp.co.uk/blog/archive/2024/02) - [January 2024](https://www.integritasfp.co.uk/blog/archive/2024/01) - [November 2023](https://www.integritasfp.co.uk/blog/archive/2023/11) - [October 2023](https://www.integritasfp.co.uk/blog/archive/2023/10) - [September 2023](https://www.integritasfp.co.uk/blog/archive/2023/09) - [August 2023](https://www.integritasfp.co.uk/blog/archive/2023/08) - [July 2023](https://www.integritasfp.co.uk/blog/archive/2023/07) - [June 2023](https://www.integritasfp.co.uk/blog/archive/2023/06) - [May 2023](https://www.integritasfp.co.uk/blog/archive/2023/05) - [April 2023](https://www.integritasfp.co.uk/blog/archive/2023/04) - [March 2023](https://www.integritasfp.co.uk/blog/archive/2023/03) - [February 2023](https://www.integritasfp.co.uk/blog/archive/2023/02) - [January 2023](https://www.integritasfp.co.uk/blog/archive/2023/01) - [December 2022](https://www.integritasfp.co.uk/blog/archive/2022/12) - [November 2022](https://www.integritasfp.co.uk/blog/archive/2022/11) - [October 2022](https://www.integritasfp.co.uk/blog/archive/2022/10) - [September 2022](https://www.integritasfp.co.uk/blog/archive/2022/09) - [August 2022](https://www.integritasfp.co.uk/blog/archive/2022/08) - [June 2022](https://www.integritasfp.co.uk/blog/archive/2022/06) - [April 2022](https://www.integritasfp.co.uk/blog/archive/2022/04) - [March 2022](https://www.integritasfp.co.uk/blog/archive/2022/03) - [February 2022](https://www.integritasfp.co.uk/blog/archive/2022/02) - [January 2022](https://www.integritasfp.co.uk/blog/archive/2022/01) - [December 2021](https://www.integritasfp.co.uk/blog/archive/2021/12) - [September 2021](https://www.integritasfp.co.uk/blog/archive/2021/09) - [August 2021](https://www.integritasfp.co.uk/blog/archive/2021/08) - [July 2021](https://www.integritasfp.co.uk/blog/archive/2021/07) - [June 2021](https://www.integritasfp.co.uk/blog/archive/2021/06) - [April 2021](https://www.integritasfp.co.uk/blog/archive/2021/04) - [March 2021](https://www.integritasfp.co.uk/blog/archive/2021/03) - [February 2021](https://www.integritasfp.co.uk/blog/archive/2021/02) - [January 2021](https://www.integritasfp.co.uk/blog/archive/2021/01) - [December 2020](https://www.integritasfp.co.uk/blog/archive/2020/12) - [November 2020](https://www.integritasfp.co.uk/blog/archive/2020/11) - [October 2020](https://www.integritasfp.co.uk/blog/archive/2020/10) - [September 2020](https://www.integritasfp.co.uk/blog/archive/2020/09) - [June 2020](https://www.integritasfp.co.uk/blog/archive/2020/06) - [March 2020](https://www.integritasfp.co.uk/blog/archive/2020/03) - [December 2019](https://www.integritasfp.co.uk/blog/archive/2019/12) - [November 2019](https://www.integritasfp.co.uk/blog/archive/2019/11) - [July 2019](https://www.integritasfp.co.uk/blog/archive/2019/07) - [June 2019](https://www.integritasfp.co.uk/blog/archive/2019/06) - [October 2018](https://www.integritasfp.co.uk/blog/archive/2018/10) - [January 2015](https://www.integritasfp.co.uk/blog/archive/2015/01) - [October 2014](https://www.integritasfp.co.uk/blog/archive/2014/10) - [September 2014](https://www.integritasfp.co.uk/blog/archive/2014/09) - [Uncategorized](https://www.integritasfp.co.uk/blog/tag/uncategorized) - [Quarterly Newsletter](https://www.integritasfp.co.uk/blog/tag/quarterly-newsletter) [![Integritas-Protection-Review-Guide-CTA-Blog-Sidebar](https://www.integritasfp.co.uk/hs-fs/hubfs/Integritas_Theme_Mar2022/sidebar/Integritas-Protection-Review-Guide-CTA-Blog-Sidebar.png?width=365&name=Integritas-Protection-Review-Guide-CTA-Blog-Sidebar.png "Integritas-Protection-Review-Guide-CTA-Blog-Sidebar")](https://www.integritasfp.co.uk/protection-review) ### Subscribe to our blog [![twitter](https://www.integritasfp.co.uk/hubfs/Integritas_Theme_Mar2022/icon/twitter.png)](https://twitter.com/integritasfp?lang=en) [![linkedin](https://www.integritasfp.co.uk/hubfs/Integritas_Theme_Mar2022/icon/linkedin.png)](https://www.facebook.com/IntegritasFP) [![facebook-circular-logo](https://www.integritasfp.co.uk/hubfs/Integritas_Theme_Mar2022/icon/facebook-circular-logo.png)](https://www.linkedin.com/company/integritas-financial-planners-ltd) #### NAVIGATION - [Homepage](https://www.integritasfp.co.uk) - [Request Consultation](https://www.integritasfp.co.uk/book-a-meeting) - [Our Services](https://www.integritasfp.co.uk/services) - [Pension Advice](https://www.integritasfp.co.uk/services/pension-advice) - [Investment Advice](https://www.integritasfp.co.uk/services/investments/) - [Protection](https://www.integritasfp.co.uk/services/protection/) - [Why Integritas](https://www.integritasfp.co.uk/about-integritas) - [About Integritas Financial Planners](https://www.integritasfp.co.uk/about-integritas) - [Testimonials](https://www.integritasfp.co.uk/about-integritas/testimonials/) - [Client Agreement](https://www.integritasfp.co.uk/blog/Client%20Agreement) - [Terms & Conditions](https://www.integritasfp.co.uk/resources/client-agreement/) - [Services & Charges](https://www.integritasfp.co.uk/resources/client-agreement/-services-and-charges) - [Blog](https://www.integritasfp.co.uk/blog) - [Client Area](https://integritasfinplan.gb.pfp.net/) - [Areas We Cover](https://8095026.hs-sites.com/blog/tag/areas-we-cover) #### DISCLAIMER - Decisions should not be taken based solely on the content of the website and individual advice should be sought first. - Regulations, levels and bases of taxation are subject to change. - The firm is not responsible for the content of external links. - The content is aimed at UK residents #### ADSENSE #### CONTACT Integritas Financial Planners Ltd A1 Optimum Business Park Optimum Road Swadlincote Derbyshire DE11 0WT E: [enquiries@integritasfp.co.uk](mailto:enquiries@integritasfp.co.uk) T: [01283 777014](tel:+441283777014) #### COMPANY INFORMATION Registered as a Limited Company in England and Wales No: 08981673. Integritas Financial Planners Ltd (FCA no. 623126) is an Appointed Representative of Baron & Grant Investment Management Limited (FCA no. 930300) which is Authorised and Regulated by the Financial Conduct Authority. [![Vouched For Top Rated 2019 - 2024](https://www.integritasfp.co.uk/hubfs/Vouched%20For%20Top%20Rated%202019%20-%202024.png "Vouched For Top Rated 2019 - 2024")](https://www.vouchedfor.co.uk/firm/140-integritas-financial-planners-ltd?page=7) - [Request Consultation](https://www.integritasfp.co.uk/book-a-meeting) - [Privacy Policy](https://www.integritasfp.co.uk/privacy-policy) - [Cookie Policy](https://www.integritasfp.co.uk/cookie-policy) - [Contact Us](https://www.integritasfp.co.uk/contact-us) - [Terms & Conditions](https://www.integritasfp.co.uk/resources/client-agreement/) - [Services & Charges](https://www.integritasfp.co.uk/resources/client-agreement/-services-and-charges) - [FAQs](https://www.integritasfp.co.uk/en-gb/faqs) © Integritas Financial Planners Ltd, 2026 [facebook-f icon](https://www.facebook.com/IntegritasFP) [twitter icon](https://twitter.com/integritasfp?lang=en) [linkedin-in icon](https://www.linkedin.com/company/integritas-financial-planners-ltd/) [facebook-f icon](https://www.facebook.com/IntegritasFP) [linkedin-in icon](https://www.linkedin.com/company/integritas-financial-planners-ltd/) ```json { "@context" : "https://schema.org", "@type" : "LocalBusiness", "address" : { "@type" : "PostalAddress", "addressLocality" : "Swadlincote", "addressRegion" : "Derbyshire", "postalCode" : "DE11 0WT", "streetAddress" : "A1 Optimum Business Park, Optimum Road" }, "email" : "enquiries@integritasfp.co.uk", "geo" : { "@type" : "GeoCoordinates", "latitude" : "52.7732315", "longitude" : "-1.5756467" }, "image" : [ "https://www.integritasfp.co.uk/wp-content/uploads/2018/04/integritaslogo-copy.png" ], "name" : "Integritas Financial Planners Ltd", "openingHours" : "Mo,Tu,We,Th,Fr 09:00-17:30", "openingHoursSpecification" : [ { "@type" : "OpeningHoursSpecification", "closes" : "17:30", "dayOfWeek" : [ "Monday", "Tuesday", "Wednesday", "Thursday", "Friday" ], "opens" : "09:00" } ], "paymentAccepted" : [ "cash", "check", "credit card" ], "priceRange" : "$$$", "review" : { "@type" : "Review", "author" : { "@type" : "Person", "name" : "Integritas Financial Planners" }, "reviewRating" : { "@type" : "Rating", "bestRating" : "5.0", "ratingValue" : "5.0" } }, "telePhone" : "+44 1283 777014", "url" : "https://www.integritasfp.co.uk/" } ```