Centre for Inclusive Money at Nest and Monzo Team Up to Address the UK’s Self-Employed Retirement Savings GapThe Centre for Inclusive Money at Nest - previously Nest Insight - has partnered with Monzo, one of the UK’s leading digital banks with more than 15 million customers, to tackle low levels of retirement savings seen amongst self-employed people. Just 17% of the UK’s 4.4 million self-employed people are saving into a pension, compared to almost 90% of eligible employees. This, coupled with an often variable or uncertain income, makes saving for retirement more complex for self-employed people. Earlier this year, more than 2 million customers signed up for Monzo's automated Savings Challenge after customers collectively set aside more than £360 million through the challenge in 2025. This project will explore whether similar behavioural design principles can help make retirement saving easier for self-employed people.