How much may I need in retirement?

How much have you saved for your retirement? If you don't know, what are you expecting to live on later in life?

Start by checking that any current savings and investments you hold are tax-efficient - and are likely to grow to provide the income you want when you're older. Get a UK State Pension statement and see how much extra you'll need to afford the lifestyle you want.

If you've never made pension investments before, we’ll show you how. Get a reality check with our retirement calculator.

Retirement tool - your life once you stop work

What kind of life would you like to lead when you've said goodbye to the 9-to-5? Create a vision of your ideal retirement using the icons below, and we'll give you an idea of how much money you'll need to fund it.

What you could have


Experts say that you need around 2/3 of your income to live comfortably in retirement.

To fund the lifestyle you've just chosen, you'll need per year before tax.

Next steps

Are you on track for retirement?

Compare our pensions and find out how much you may need to pay in each month to fund the retirement you'd like.


This example is not designed to be specific to your personal circumstances. Its purpose is to act as a guide to help you understand the income you might need to fund the lifestyle you want. Figures are based on today’s costs for such a lifestyle and do not take into account inflation.