Question 1

How does this retirement quiz work?

Accepted Answer

Enter your age, your total pension savings and how much goes in each month, including your employer's share. The quiz grows your pot at an assumed 5% a year to age 68 and compares it with an illustrative retirement target. It shows the full State Pension alongside.

Question 2

Is this quiz really free?

Accepted Answer

Yes. It is free and needs no sign-up. You can email yourself the result if you want to keep it.

Question 3

How accurate is the retirement comparison?

Accepted Answer

It is a rough guide, not a forecast. It assumes 5% growth a year before fees and inflation, ignores your actual National Insurance record, and does not include ISAs or other savings. For the full picture, check your State Pension forecast on GOV.UK and add all your pensions and savings together.

Question 4

What is the UK State Pension age?

Accepted Answer

It is rising from 66 to 67 between April 2026 and March 2028 for people born on or after 6 April 1960. Anyone born between 6 March 1961 and 5 April 1977 reaches it at 67. A rise to 68 is legislated for between 2044 and 2046 and is under review. Check your own date on GOV.UK.

Question 5

How much pension do I need for a comfortable retirement?

Accepted Answer

Pensions UK's Retirement Living Standards put a comfortable retirement at about £45,400 a year after tax for one person and £62,700 for a couple. A moderate retirement is £32,700 or £45,400, and a minimum one £13,900 or £22,500. The full State Pension of £12,547.60 a year covers part of that. The rest has to come from your own pensions and savings.

Am I on track for retirement?

Am I on track for retirement?