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)

Plan for a secure retirement with our UK pension calculators, pot benchmarks, and comprehensive guides to workplace and private pensions.

Pension Tools & Guides

Pension Calculator

Project your pension pot at retirement based on contributions and growth.

UK Pension Guide

Workplace pensions, SIPPs, the State Pension, and tax relief explained.

Average Pension Pot by Age

How your pension savings compare to the UK average by age group.

Written by WealthVieu

WealthVieu researches and writes data-driven personal finance guides using primary sources including the IRS, Bureau of Labor Statistics, Federal Reserve, and Census Bureau.

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