Start with your age and what's in your pensions today, then see how you're tracking against the Retirement Living Standards.
Assumptions
How we've worked out these figures
- All figures are in today's money, so you can compare them with prices now.
- Your pension grows by 5% a year after charges until you retire, and 3.5000000000000004% a year after that. Inflation is 2.5% a year, and your salary and contributions rise in line with it.
- In retirement we spread your pot evenly until age 90. If you retire before State Pension age, part of your pot covers the gap.
- We include the full new State Pension (£12,548 a year each in 2026/27) from age 67.
- Income is compared after tax, using 2026/27 bands for England, Wales and Northern Ireland. For two of you, we split income equally and tax each of you separately.
- Targets are the PLSA Retirement Living Standards (2026), for outside London. These figures are estimates, not financial advice.