Under current rules, anyone aged 22 or over earning a minimum of £10,000 from a single job is eligible for auto-enrolment.
However, if you earn less than £10,000 a year, perhaps because you work part-time, you won’t be automatically enrolled into your workplace pension by your employer. This threshold figure applies to each job you do, not the total amount you earn each year. So, if you do two or more part time jobs, you might earn more than £10,000 in a year, but if you earn less than £10,000 from each of your jobs, you wouldn’t qualify to be automatically enrolled into your workplace pension.
The good news is that even if you don’t earn more than the £10,000 threshold, you can still ask to join your company pension scheme and your employer can’t refuse. Learn more in our article Can I join my workplace pension scheme if I’m on a low salary?
Bear in mind that if you earn less than £520 a month, or £120 a week, your employer doesn’t have to contribute to your pension.
Even if your employer contributes into a workplace pension on your behalf, you are still able to take out a private pension on your own to supplement your pension – providing you stay within your annual contribution allowances.