Help Centre/Accounts & Portfolios/How to model account contribution phases

How to model account contribution phases

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Summary

Contribution Phases let you set a different contribution amount for a specific age range on an account, rather than one flat figure.
Set an amount to £0 to pause contributions for a period.
Your base contribution still applies for any age not covered by a phase.

How contribution phases work

Add a contribution phase to an account with a from-age, to-age, and amount (plus an employer contribution figure for workplace pensions and SIPPs). The base contribution set on the account applies for any age not covered by a phase. Use the "Pause for a period" shortcut to quickly zero out contributions for a specific range — useful for modelling a career break or a period of reduced income.

Frequently asked questions

How do I model a career break?

Add a contribution phase covering the break period and set the amount to £0 — or use the "Pause for a period" shortcut.

What applies outside a phase?

The account's base contribution amount.

Is this the same as Spending Phases?

No — Contribution Phases are set per account and affect what you pay in before retirement. Spending Phases affect your overall retirement spending target. See How to use spending phases.

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