Can you afford the future you want?

What will my life look like in retirement?

Let us know what your total expected annual pension income is at the point you intend to retire – including all pension pots and the state pension if this is relevant.

The current state pension is £11,502 per year – for a personal forecast visit gov.uk.

£

The value you entered is below the PLSA living standard minimum – please enter a higher value to continue.

Our system uses the PLSA standard figures.

See the PLSA site for more.

minimum

Required annual pension income:

£14,400 – £31,299

In summary:

A ‘minimum’ lifestyle covers all your needs, with some left over for fun and social occasions. You could holiday in the UK, eat out about once a month and do some affordable leisure activities about twice a week.

Average monthly spend: £1,200

moderate

Required annual pension income:

£31,300 – £43,099

In summary:

A ‘moderate’ lifestyle provides more financial security and more flexibility. You could have one foreign holiday a year and eat out a few times a month. You’d have the opportunity to do more of the things you want to do.

Average monthly spend: £2,609

comfortable

Required annual pension income:

£43,100 +

In summary:

A lifestyle that allows you to be more spontaneous with your money. You could have a subscription to a streaming service, regular beauty treatments, a foreign holiday and several UK minibreaks a year.

Average monthly spend: £3,592

minimum

Required annual pension income:

£22,400 – £43,099

In summary:

A ‘minimum’ lifestyle covers all your needs, with some left over for fun and social occasions. You could holiday in the UK, eat out about once a month and do some affordable leisure activities about twice a week.

Average monthly spend: £1,867

moderate

Required annual pension income:

£43,100 – £58,999

In summary:

A ‘moderate’ lifestyle provides more financial security and more flexibility. You could have one foreign holiday a year and eat out a few times a month. You’d have the opportunity to do more of the things you want to do.

Average monthly spend: £3,594

comfortable

Required annual pension income:

£59,000 +

In summary:

A lifestyle that allows you to be more spontaneous with your money. You could have a subscription to a streaming service, regular beauty treatments, a foreign holiday and several UK minibreaks a year.

Average monthly spend: £4,917