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Can I have a pension if I'm self-employed?

Yes you can! As well as being a flexible way to save, paying into a pension scheme can actually help self-employed people save on tax.

Reclaiming Self Assessment tax for your pension pot

If you’re a basic rate taxpayer, your pension provider can claim back 20% and add it to your pension pot. This means every £80 you contribute will be grossed up to a £100 contribution. Higher rate taxpayers can claim back the additional 20% through Self Assessment.

Pensions if you own a limited company

If you set up your occupational pension through your own limited company, then the contributions the company pays as your employer reduce the amount of Corporation Tax it pays.

Watch our video guide to pensions, read our short pensions article, or chat to us about our online accountancy services for self-employed people.

Pensions for Self-Employed Workers Guide

From sole traders to company directors, pensions can be a minefield when you’re self-employed. So our team has put together a useful guide!

Download our quick guide, or get in touch for help with your self-employed finances.


Confirm Transactions

The number of monthly transactions you have entered based on your turnover seem high. A transaction is one bookkeeping entry such as a sale, purchase, payment or receipt. Are you sure this is correct?

Yes, submit my quote
No, let me change it

Please contact our sales team if you’re unsure

VAT Returns

It is unlikely you will need this service, unless you are voluntarily registered for VAT.

Are you sure this is correct?

Yes, the business is VAT registered
No, let me change it

Call us on 020 3355 4047 if you’re not sure.


You will receive our bookkeeping software Pandle for free, as part of your package.

You can use this to complete your own bookkeeping, or we can provide a quote to complete your bookkeeping for you.

Please select and option below:

I will do my own bookkeeping
I want you to do my bookkeeping

Call us on 020 3355 4047 if you’re not sure.