Pensions UK survey highlights low awareness of 2029 salary sacrifice reforms
Pensions UK has published findings from research conducted by Yonder Consulting among 1,588 non-retired adults between 19 and 21 December 2025, examining awareness of upcoming salary sacrifice reforms. The findings show that 28% of defined contribution (DC) pension savers currently use salary sacrifice, yet fewer than half of respondents (41%) were aware of the changes announced in the 2025 Autumn Budget. Among existing salary sacrifice users, 62% expect to pay higher National Insurance contributions following the 2029 reforms, while 46% anticipate that less money will go into their pension savings. Behavioural responses show that 43% do not expect to change their contribution levels, while 28% indicate that they are likely to increase contributions before the reforms come into effect. Usage rates were higher among men (32%) than women (23%), and among those earning more than £48,000 (37%), compared with 16% of those earning less than £14,000.