Nearly a third of working Britons plan to review and reduce their monthly spending in 2026, making it the most popular financial new year’s resolution, according to a survey commissioned by Pensions UK. The proportion has risen from 26% last year to 31%, signalling a growing focus on day-to-day budgeting.
Building up rainy day savings has also gained traction, with 28% intending to do so, up from 21% in 2025. Meanwhile, 26% aim to save towards a specific goal such as a house deposit, holiday, or education—unchanged from last year. Paying off debts is a priority for 20%, down from 22%, while 16% plan to create or update their household budget, a slight increase from 15%.
Long-term wealth-building is on the rise, with 12% planning to open an Isa (up from 7%) and 14% intending to invest in stocks, shares, or other assets (up from 10%). Pension-related resolutions include reviewing plans (12%) and increasing contributions (10%).
Among those who would consider a pension review, nearly 30% said they would increase contributions, a significant jump from 20% last year. Other actions include checking pension balances (23%), reviewing projected retirement income (16%), updating beneficiaries (10%), and consolidating pensions (8%).
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.”
The survey, conducted by Yonder Consulting in December, polled more than 1,500 non-retired adults in the UK.
