Question 1

Can I still pay into a SIPP after I retire?

Accepted Answer

Yes, until age 75. You get tax relief on contributions up to 100% of your UK relevant earnings, or £3,600 gross (£2,880 net) a year if you have no earnings.

Question 2

Do I get tax relief on SIPP contributions after 75?

Accepted Answer

No. Tax relief on pension contributions stops at 75, per HMRC.

Question 3

What is the Money Purchase Annual Allowance?

Accepted Answer

£10,000 a year. Once you flexibly access a defined contribution pension (e.g. take taxable drawdown income), tax-relieved contributions above £10,000 are taxed.

Question 4

Is it worth paying £2,880 into a SIPP after retiring?

Accepted Answer

Often yes: the government adds £720 basic-rate relief, and up to 25% can later be taken tax-free.

SIPP Contributions After Retirement: £2,880 Rule, Age 75 Limit & MPAA (2026/27)

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