diff --git a/spring-core/src/main/java/org/springframework/core/retry/RetryTemplate.java b/spring-core/src/main/java/org/springframework/core/retry/RetryTemplate.java
index 95b024e8370..c0f5163a45b 100644
--- a/spring-core/src/main/java/org/springframework/core/retry/RetryTemplate.java
+++ b/spring-core/src/main/java/org/springframework/core/retry/RetryTemplate.java
@@ -213,9 +213,13 @@ public class RetryTemplate implements RetryOperations {
 			// would be if we were to sleep for sleepTime milliseconds.
 			long elapsedTime = System.currentTimeMillis() + sleepTime - startTime;
 			if (elapsedTime >= timeout) {
-				RetryException retryException = new RetryException(
+				String message = (sleepTime > 0 ? """
+						Retry policy for operation '%s' would exceed timeout (%d ms) due \
+						to pending sleep time (%d ms); preemptively aborting execution"""
+								.formatted(retryable.getName(), timeout, sleepTime) :
 						"Retry policy for operation '%s' exceeded timeout (%d ms); aborting execution"
-						.formatted(retryable.getName(), timeout), exceptions.removeLast());
+								.formatted(retryable.getName(), timeout));
+				RetryException retryException = new RetryException(message, exceptions.removeLast());
 				exceptions.forEach(retryException::addSuppressed);
 				this.retryListener.onRetryPolicyTimeout(this.retryPolicy, retryable, retryException);
 				throw retryException;
diff --git a/spring-core/src/test/java/org/springframework/core/retry/RetryTemplateTests.java b/spring-core/src/test/java/org/springframework/core/retry/RetryTemplateTests.java
index dd1190afc04..88adcb62478 100644
--- a/spring-core/src/test/java/org/springframework/core/retry/RetryTemplateTests.java
+++ b/spring-core/src/test/java/org/springframework/core/retry/RetryTemplateTests.java
@@ -502,7 +502,10 @@ class RetryTemplateTests {
 			assertThat(invocationCount).hasValue(0);
 			assertThatExceptionOfType(RetryException.class)
 					.isThrownBy(() -> retryTemplate.execute(retryable))
-					.withMessageMatching("Retry policy for operation '.+?' exceeded timeout \\(5 ms\\); aborting execution")
+					.withMessageMatching("""
+							Retry policy for operation '.+?' would exceed timeout \\(5 ms\\) \
+							due to pending sleep time \\(10 ms\\); preemptively aborting execution\
+							""")
 					.withCause(new CustomException("Boom 1"))
 					.satisfies(throwable -> inOrder.verify(retryListener).onRetryPolicyTimeout(
 							eq(retryPolicy), eq(retryable), eq(throwable)));