Almost a third (30%) of people now say they would increase their pension contributions if they undertook a pension review.

The figure is up nine points since 2025, marking the biggest year-on-year shift in pension behaviour, according to Pensions UK, which commissioned the survey.

Among those with defined contribution (DC) pensions, the figure rises to 34%, and among younger savers under 34, 40% said they would boost contributions.

Higher-income households (£48k+) are also more likely to act (40%) compared to those earning less than £14k (19%).

Other actions people say they would take after a pensions review include checking how much they have in their pension (23%), reviewing projected retirement income (16%), updating beneficiaries (10%) and combining pensions into one plan (8%), particularly among younger savers (11% compared to 5% of those aged over 55).

Few said they would consult a financial adviser (9%), change investment options (6%) or decrease contributions (2%). Around one in five (21%) said they are happy with their current plan, while a similar proportion (18%) admitted they do not know what steps to take.

Source: Pensions UK

Matthew Blakstad, deputy director of strategic policy and research at Pensions UK, said: "The start of a new year is the perfect time to reset financial goals. While everyday needs often take priority, it is encouraging to see people increasingly willing to take action on pensions. However, experience shows that our best-laid plans for our pensions don’t always translate into action.

“Almost a third of savers told us they would increase their contributions if they reviewed their pensions - a significant rise on last year. This demonstrates that the appetite is there and reinforces why government should revisit Automatic Enrolment contribution levels. Many savers are already prepared to pay more, which would help them achieve the lifestyle they want in retirement.”

The survey showed that reviewing and reducing monthly spending remains the most common goal for people, rising to 31% from 26% last year.

Building up rainy day savings has also grown in importance, with 28% planning to do so compared to 21% in 2025. Younger savers under 35 are leading the way, with 31% prioritising emergency funds compared to 24% among those aged 55 and over.

Saving for specific goals such as a housing deposit, holiday or education also remains important, with 26% planning to do so, and paying off debt continues to be a priority for one in five (20%), particularly those on average household incomes (£28k–£48k), where 23% are focused on reducing debt.

Beyond those essentials, more people are looking to grow their wealth through investment, with 12% planning to open an ISA (up from 7% last year) and 14% intending to invest in stocks, shares or other assets (up from 10%), highlighting a growing appetite for long-term financial growth.

• The research was conducted on behalf of Pensions UK by Yonder Consulting among 1,588 not retired adults between 19-21 December 2025.