
Building future you
Plan more effectively for the decades ahead.
Across the UK, almost half of people aged 40 to 54 haven’t reviewed their pension in the last year. About five million of them aren’t saving enough to cover their ideal retirement. That figure goes up to about nine million when you look at people aged 22 to 54.
But even if you’re at the upper end of that age range, you still have a window of opportunity to boost your retirement prospects.
- If you’re already building your pension up, managing it more efficiently and paying even a little extra every month can make a real difference later on.
- If you're starting from scratch, our research shows a 47 year old could achieve an annual retirement income of around £19,162 by age 67, including the State Pension.1
We’ve designed our Building Future You quiz to help you take advantage of that window of opportunity.
We’ll ask you 10 simple questions about your approach to life. It’ll only take a couple of minutes to answer them. Then we’ll tell you:
What sort of pension saver are you?
See if you’re quietly confident, going with the flow, a big picture thinker or just living for now.
Where are you on your savings journey?
Check our estimate of where you’re at against your actual plans and actions.
How can you plan more effectively?
Get simple, practical, savings-boosting next steps, based on the type of saver you are.
Start building future you
How we’re thinking about the Decades Ahead
Building Future You is part of our Decades Ahead commitment to help people achieve greater financial security and invest for a more prosperous economy.
Through Decades Ahead, we’re bringing together research, policy engagement and real-world solutions to:
- improve people’s long-term financial future
- unlock economic growth
- transform the UK’s towns, cities and regions
1 Expressed in today’s money terms. 8% contributions, applied to gross salary. ONS ASHE salary data by age group used for FT salary estimate. Real investment growth of 4.1% assuming a 60/40 portfolio is held throughout [based on L&G assumptions as at 31 Dec 2025]. Salary premium assumption of 1% to age 50 and 0% after. Single life annuity rate as at 19 Feb 2026, RPI-linked, 5yr guarantee. Current state pension of 12,550 pa, increasing with CPI.
Plan for the future you want
Listen to our latest podcast for practical insights, expert guidance, and ideas to help you make informed decisions about your future.
Tools and guidance for your future

Pension contributions

Pension Calculator

Pension advice and guidance

A Little Bit Richer podcast
With Iona Bain and guests talking about smart money choices. If you're thinking about investing, a new home, a family and more, we'll help you get to grips with your financial future.

Should I be saving into a pension?

Retirement guidance
Pension Wise from MoneyHelper
The government’s free and impartial service, offering guidance to make money and pension choices clearer for over 50s.
To find out more or book an appointment online click below or call.
0800 138 3944
Monday to Friday, 9am to 5pm.
Calls may be recorded and monitored.