Retirement planning can feel overwhelming, but it comes down to one core question: how much money will you need, and are you on track to have it?

The 25× Rule

A commonly cited guideline is to save 25 times your expected annual spending in retirement. If you plan to spend £30,000 per year, you need £750,000 saved.

Starting at Different Ages

  • In your 20s: even small contributions grow dramatically due to compound interest. Aim to save 10–15% of income.
  • In your 30s: increase contributions if you started late. Take full advantage of employer pension matching.
  • In your 40s–50s: focus on maximising tax-advantaged contributions and reducing high-interest debt.

Use our Retirement Calculator to model different scenarios and see the impact of starting earlier.