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Pensions

Planning for the future doesn’t have to be complicated (or stressful!).

If you’re self-employed, saving for retirement is entirely your responsibility, as you don’t have an employer.

The good news is there are flexible, tax-efficient pension options designed specifically for the self-employed (sole traders).

In this section, we cover the best pension plans for the self-employed, how much you can contribute, and how to make the most of the tax breaks available.

Popular guides

  • Should you pay into a pension or an ISA if you’re self-employed?
  • Self-employed and the State Pension – NI rules, rates and gaps explained
  • How much do you need to save for retirement if you’re self-employed?
  • It’s never too late to start saving for a pension if you’re self-employed
  • How do pensions work if you’re a sole trader?
  • Simple guide to SIPPs for the self-employed
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Simple guide to SIPPs for the self-employed

February 11, 2025
A Self-Invested Personal Pension (SIPP) is a popular way of saving for retirement for the self employed. Read our simple summary to find out more.
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self employed pension IFS

55% of self employed will have no private pension savings at retirement if trends continue

September 10, 2024
A new study by the Institute of Fiscal Studies (IFS) reveals a startling difference in pension saving patterns between the self employed and employees.
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