How much pension do I need to retire in the UK?

The Pensions and Lifetime Savings Association suggests you need a pot of around £200,000 for a moderate retirement and £360,000+ for a comfortable one (on top of the State Pension). The exact amount depends on your lifestyle and when you plan to retire.

When can I access my pension in the UK?

You can currently access your private/workplace pension from age 55 (rising to 57 in 2028). The State Pension age is 66, rising to 67 by 2028 and potentially 68 thereafter.

How much is the UK State Pension?

The full new State Pension is £221.20 per week (2025/26). You need 35 qualifying years of National Insurance contributions to receive the full amount and a minimum of 10 years to get anything.

Retirement & Pensions – Calculators & Guides (UK)

By Wealthvieu · Updated March 15, 2026

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