You are 38 to 48, with two kids, a mortgage, a workplace pension you have not looked at in years. Salary arriving on time. Pension auto-enrolled. Mortgage on autopilot.
You are also not sure whether any of it is on track.
Most people in their 40s have a guess. They are usually wrong by tens of thousands of pounds. Here is the actual data, so you have something real to compare yourself to.
Median pension pot at 40
£35,000
Half of UK 40-year-olds have less than this. It is a comparison point, not a personal target.
UK pension benchmark
On-track rule of thumb at 40
1.5× salary
On a £45,000 salary, that is £67,500. Your own target depends on when you want to retire and the life you want then.
Common industry benchmark
Full new State Pension in 2026/27
£12,547.60
That is the annual full rate. Your own forecast depends on your National Insurance record.
GOV.UK, 2026/27
The question is not whether you are better or worse than the average. The question is whether you know which one you are. Most people in this bracket do not.
You do not need to fix anything today. You need to see where you are. Once you have the actual number, the right next step is usually obvious.
Bank, workplace pension, ISA, investments, property. Open Banking in five minutes. We do not store your login. We do not see your PIN.
about 5 minutes
Your real net worth. Your projected pension at 68. What your ISA, savings and property add up to together. One page. No spreadsheet.
instant
Not someday. This month. Two or three specific actions for your actual situation, with the numbers behind each one. Not a generic checklist.
tailored to you
Inaction is not free. Every month you leave this unchanged, here is what it is costing you in real money, not in thirty years. Today.
Cost of waiting
Up to £1,200 a year
On an employer pension match you have not checked
Illustrative: if an employer matches 2% of a £60,000 salary and you do not claim it, that is £1,200 a year before tax relief. Check your scheme before the end of this month.
Example 1 of 3
Cost of waiting
£20,000 a year
On an ISA allowance you leave unused
The annual ISA allowance is £20,000 in 2026/27. Unused allowance does not roll forward, so the tax-free shelter you leave behind cannot be recovered later.
Example 2 of 3
Cost of waiting
£17,900 at 68
On waiting one year to start
Illustrative: £400 a month invested from 40 to 68 at 5% grows to about £280,000. Starting at 41 instead leaves about £17,900 less at 68.
Example 3 of 3
None of these are catastrophic on their own. Together, over a decade of "I will sort it next month," they are the difference between a comfortable retirement and one you are still working part-time to fund.
Three things, built specifically for the person who suspects they are probably fine and has no way of knowing.
Not a vague sense. A real projection of where you stand today and what it means for your future, based on your actual numbers.
Bank, pensions, ISAs, investments and property, connected and visible together for the first time. Not five apps, one view.
Not in thirty years. This month. Two or three specific actions for your actual situation, with the reasoning behind each one.
Am I on track financially UK?
You will know within ten minutes, with your actual numbers, not a generic benchmark.
How much should I have saved by 40 UK?
You will see the median UK pension pot, savings, and net worth for your age, then see where you sit.
Is my pension on track UK?
You will see your projected pension at 68 and what it means for the retirement you actually want.
What should I do with my savings UK?
You will get two or three specific actions for this month, based on the numbers behind your situation.
Five minutes to add your accounts. One page that shows you exactly where you stand. Two or three things worth doing before the end of the month.
Get Clear NowDelphina is personal financial clarity, not financial advice. We do not recommend specific investments, arrange financial products, or act as your adviser. We add your accounts, show you what they mean, and tell you what to do this month. The rest is up to you.