Retirement Planning in Hastings
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Averages for Hastings won't tell you your number. Your pensions and savings will.
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Retirement in Hastings starts with knowing your number. How much you need to retire comfortably is based on how you want to live. From there, it's about understanding your options: your State Pension, workplace pensions, ISAs, and how to invest for the future. Delphina helps you work out your retirement number step by step, calculating your number, understanding your pensions, and modelling different scenarios so you know what to prioritise.
Frequently asked questions
How do I start planning for retirement?
Four steps, in order: work out your retirement number (what your lifestyle in Hastings will cost, minus the State Pension, times 25); find all your pensions, including old workplace ones; measure the gap between where you are and where you need to be; then decide what to change: contributions, investments, or timeline. The calculator on this page handles step one.
When should I start retirement planning?
Earlier is exponentially better because investment growth compounds: money invested in your 30s can be worth several times more at retirement than the same amount invested in your 50s. But the second-best time is now. Even five years of focused planning before retirement materially changes your options.
What pensions might I have in the UK?
Usually three kinds: the State Pension (£12,548 per year from age 67, 2026/27, if you have 35 qualifying years of National Insurance); workplace pensions from every job since auto-enrolment began in 2012, which are easy to lose track of; and any personal pensions or SIPPs you've opened yourself. Most people's first win is simply finding them all.
How much should I pay into my pension?
A common rule of thumb: halve your age when you start, and contribute that percentage of salary (including employer contributions). Started at 30? Aim for 15%. At minimum, always contribute enough to get your full employer match; it's an instant 100% return. Beyond rules of thumb, work backwards from your actual retirement number.
About Retirement Planning in Hastings
Hastings has an average house price of £236,670, which is 13% lower than the UK average of £271,000 (ONS UK House Price Index, May 2026).
Annual living costs in Hastings are estimated at £38,194, 17% above the UK average of £32,700. The figure covers day-to-day spending in the South East and excludes housing, which is counted separately through the local house price.
The local property market offers a range of options for retirees, from flats to family homes, at prices reflecting local demand and supply.
Data sources: ONS UK House Price Index (May 2026); ONS Family Spending, expenditure by region (FYE 2025); Pensions UK Retirement Living Standards (2026).
Your Hastings Retirement Number
per year
£12,548
£12,548/yr at age 67
£25,646
Annual costs − State Pension
£641,150
25× gap (4% rule)
This does not include your primary residence
Based on 4% withdrawal rate · Assuming retirement at state pension age · Hastings cost of living data · UK State Pension 2026/27
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Explore Other Locations in South East
| Location | Region | Avg House Price | Living Costs | Avg retirement number @ 4% SWR | Avg total net worth required |
|---|---|---|---|---|---|
| Retirement planning in Adur | South East | £368,910 | £38,194 | £641,150 | £1,010,060 |
| Retirement planning in Arun | South East | £320,350 | £38,194 | £641,150 | £961,500 |
| Retirement planning in Ashford | South East | £341,710 | £38,194 | £641,150 | £982,860 |
| Retirement planning in Basingstoke and Deane | South East | £372,276 | £38,194 | £641,150 | £1,013,426 |
| Retirement planning in Bracknell Forest | South East | £390,219 | £38,194 | £641,150 | £1,031,369 |
| Retirement planning in Brighton and Hove | South East | £403,808 | £38,194 | £641,150 | £1,044,958 |
| Retirement planning in Buckinghamshire | South East | £478,219 | £38,194 | £641,150 | £1,119,369 |
| Retirement planning in Canterbury | South East | £341,331 | £38,194 | £641,150 | £982,481 |
| Retirement planning in Cherwell | South East | £351,051 | £38,194 | £641,150 | £992,201 |
| Retirement planning in Chichester | South East | £426,958 | £38,194 | £641,150 | £1,068,108 |
| Retirement planning in Crawley | South East | £330,955 | £38,194 | £641,150 | £972,105 |
| Retirement planning in Dartford | South East | £341,447 | £38,194 | £641,150 | £982,597 |
| Retirement planning in Dover | South East | £276,156 | £38,194 | £641,150 | £917,306 |
| Retirement planning in East Hampshire | South East | £437,074 | £38,194 | £641,150 | £1,078,224 |
| Retirement planning in Eastbourne | South East | £255,473 | £38,194 | £641,150 | £896,623 |
| Retirement planning in Eastleigh | South East | £308,958 | £38,194 | £641,150 | £950,108 |
| Retirement planning in Elmbridge | South East | £759,229 | £38,194 | £641,150 | £1,400,379 |
| Retirement planning in Epsom and Ewell | South East | £552,902 | £38,194 | £641,150 | £1,194,052 |
| Retirement planning in Fareham | South East | £333,822 | £38,194 | £641,150 | £974,972 |
| Retirement planning in Folkestone and Hythe | South East | £312,914 | £38,194 | £641,150 | £954,064 |
| Retirement planning in Gosport | South East | £237,267 | £38,194 | £641,150 | £878,417 |
| Retirement planning in Gravesham | South East | £340,305 | £38,194 | £641,150 | £981,455 |
| Retirement planning in Guildford | South East | £525,805 | £38,194 | £641,150 | £1,166,955 |
| Retirement planning in Hart | South East | £478,996 | £38,194 | £641,150 | £1,120,146 |
| Retirement planning in Havant | South East | £316,718 | £38,194 | £641,150 | £957,868 |
| Retirement planning in Horsham | South East | £440,938 | £38,194 | £641,150 | £1,082,088 |
| Retirement planning in Isle of Wight | South East | £240,291 | £38,194 | £641,150 | £881,441 |
| Retirement planning in Lewes | South East | £364,996 | £38,194 | £641,150 | £1,006,146 |
| Retirement planning in Maidstone | South East | £365,560 | £38,194 | £641,150 | £1,006,710 |
| Retirement planning in Medway | South East | £297,435 | £38,194 | £641,150 | £938,585 |
| Retirement planning in Mid Sussex | South East | £436,223 | £38,194 | £641,150 | £1,077,373 |
| Retirement planning in Milton Keynes | South East | £323,611 | £38,194 | £641,150 | £964,761 |
| Retirement planning in Mole Valley | South East | £562,284 | £38,194 | £641,150 | £1,203,434 |
| Retirement planning in New Forest | South East | £374,236 | £38,194 | £641,150 | £1,015,386 |
| Retirement planning in Oxford | South East | £473,994 | £38,194 | £641,150 | £1,115,144 |
| Retirement planning in Portsmouth | South East | £249,557 | £38,194 | £641,150 | £890,707 |
| Retirement planning in Reading | South East | £349,144 | £38,194 | £641,150 | £990,294 |
| Retirement planning in Reigate and Banstead | South East | £485,962 | £38,194 | £641,150 | £1,127,112 |
| Retirement planning in Rother | South East | £339,171 | £38,194 | £641,150 | £980,321 |
| Retirement planning in Runnymede | South East | £475,272 | £38,194 | £641,150 | £1,116,422 |
| Retirement planning in Rushmoor | South East | £312,761 | £38,194 | £641,150 | £953,911 |
| Retirement planning in Sevenoaks | South East | £533,529 | £38,194 | £641,150 | £1,174,679 |
| Retirement planning in Slough | South East | £343,618 | £38,194 | £641,150 | £984,768 |
| Retirement planning in South Oxfordshire | South East | £473,716 | £38,194 | £641,150 | £1,114,866 |
| Retirement planning in Southampton | South East | £232,883 | £38,194 | £641,150 | £874,033 |
| Retirement planning in Spelthorne | South East | £434,775 | £38,194 | £641,150 | £1,075,925 |
| Retirement planning in Surrey Heath | South East | £444,970 | £38,194 | £641,150 | £1,086,120 |
| Retirement planning in Swale | South East | £287,990 | £38,194 | £641,150 | £929,140 |
| Retirement planning in Tandridge | South East | £498,314 | £38,194 | £641,150 | £1,139,464 |
| Retirement planning in Test Valley | South East | £373,389 | £38,194 | £641,150 | £1,014,539 |
| Retirement planning in Thanet | South East | £260,951 | £38,194 | £641,150 | £902,101 |
| Retirement planning in Tonbridge and Malling | South East | £402,779 | £38,194 | £641,150 | £1,043,929 |
| Retirement planning in Tunbridge Wells | South East | £449,883 | £38,194 | £641,150 | £1,091,033 |
| Retirement planning in Vale of White Horse | South East | £413,205 | £38,194 | £641,150 | £1,054,355 |
| Retirement planning in Waverley | South East | £546,965 | £38,194 | £641,150 | £1,188,115 |
| Retirement planning in Wealden | South East | £385,544 | £38,194 | £641,150 | £1,026,694 |
| Retirement planning in West Berkshire | South East | £403,498 | £38,194 | £641,150 | £1,044,648 |
| Retirement planning in West Oxfordshire | South East | £422,096 | £38,194 | £641,150 | £1,063,246 |
| Retirement planning in Winchester | South East | £471,136 | £38,194 | £641,150 | £1,112,286 |
| Retirement planning in Windsor and Maidenhead | South East | £572,790 | £38,194 | £641,150 | £1,213,940 |
| Retirement planning in Woking | South East | £445,943 | £38,194 | £641,150 | £1,087,093 |
| Retirement planning in Wokingham | South East | £486,556 | £38,194 | £641,150 | £1,127,706 |
| Retirement planning in Worthing | South East | £301,540 | £38,194 | £641,150 | £942,690 |