How much should I have in my pension by age?
For a moderate retirement at 67, with the full State Pension: the pot that would be enough on its own at each age, and the monthly saving that gets you there from nothing. Pick an age for every lifestyle and starting pot.
| Age | Pot enough on its own | Or a month from nothing |
|---|---|---|
| At 20 | £167,000 | £491 |
| At 25 | £187,000 | £588 |
| At 30 | £210,000 | £714 |
| At 35 | £237,000 | £881 |
| At 40 | £266,000 | £1,112 |
| At 45 | £298,000 | £1,453 |
| At 50 | £328,000 | £1,952 |
| At 55 | £368,000 | £2,936 |
| At 60 | £414,000 | £5,337 |
Moderate Retirement Living Standard for one person. Contributions include tax relief and employer payments and rise with inflation; balanced investments at average returns. Not personal advice.
Official sources
Every rate and threshold on this page is checked against these official pages. How we calculate
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