Retirement Planning in Richmond upon Thames
It's not too late to get started
Retirement in Richmond upon Thames 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.
About Retirement Planning in Richmond upon Thames
Richmond upon Thames has an average house price of £785,897, which is 166% higher than the UK average of £295,000 (ONS UK House Price Index, March 2026).
Annual living costs in Richmond upon Thames are estimated at £50,160, above the UK average of £38,000, reflecting the local cost of living in London.
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, ONS Family Spending Survey, Land Registry.
Your Richmond upon Thames Retirement Number
per year
£12,548
£12,548/yr at age 67
£37,612
Annual costs − State Pension
£940,300
25× gap (4% rule)
This does not include your primary residence
Based on 4% withdrawal rate · Assuming retirement at state pension age · Richmond upon Thames cost of living data · UK State Pension 2026/27
Ready for Your Richmond upon Thames Retirement?
Delphina gives you the tools and guidance to retire on your own terms, whether you want to DIY or get expert coaching.
Explore Other Locations in London
| Location | Region | Avg House Price | Living Costs | Avg retirement number @ 4% SWR | Avg total net worth required |
|---|---|---|---|---|---|
| Retirement planning in Barking and Dagenham | London | £360,679 | £50,160 | £940,300 | £1,300,979 |
| Retirement planning in Barnet | London | £588,293 | £50,160 | £940,300 | £1,528,593 |
| Retirement planning in Bexley | London | £410,445 | £50,160 | £940,300 | £1,350,745 |
| Retirement planning in Brent | London | £538,452 | £50,160 | £940,300 | £1,478,752 |
| Retirement planning in Bromley | London | £518,311 | £50,160 | £940,300 | £1,458,611 |
| Retirement planning in Camden | London | £772,336 | £50,160 | £940,300 | £1,712,636 |
| Retirement planning in Croydon | London | £388,821 | £50,160 | £940,300 | £1,329,121 |
| Retirement planning in Ealing | London | £566,930 | £50,160 | £940,300 | £1,507,230 |
| Retirement planning in Enfield | London | £464,044 | £50,160 | £940,300 | £1,404,344 |
| Retirement planning in Greenwich | London | £465,960 | £50,160 | £940,300 | £1,406,260 |
| Retirement planning in Hackney | London | £611,039 | £50,160 | £940,300 | £1,551,339 |
| Retirement planning in Hammersmith and Fulham | London | £730,674 | £50,160 | £940,300 | £1,670,974 |
| Retirement planning in Haringey | London | £646,557 | £50,160 | £940,300 | £1,586,857 |
| Retirement planning in Harrow | London | £530,414 | £50,160 | £940,300 | £1,470,714 |
| Retirement planning in Havering | London | £441,241 | £50,160 | £940,300 | £1,381,541 |
| Retirement planning in Hillingdon | London | £470,887 | £50,160 | £940,300 | £1,411,187 |
| Retirement planning in Hounslow | London | £509,325 | £50,160 | £940,300 | £1,449,625 |
| Retirement planning in Islington | London | £679,463 | £50,160 | £940,300 | £1,619,763 |
| Retirement planning in Kensington and Chelsea | London | £1,256,680 | £50,160 | £940,300 | £2,196,980 |
| Retirement planning in Kingston upon Thames | London | £572,759 | £50,160 | £940,300 | £1,513,059 |
| Retirement planning in Lambeth | London | £554,128 | £50,160 | £940,300 | £1,494,428 |
| Retirement planning in Lewisham | London | £489,602 | £50,160 | £940,300 | £1,429,902 |
| Retirement planning in London | London | £594,961 | £50,160 | £940,300 | £1,535,261 |
| Retirement planning in Merton | London | £601,401 | £50,160 | £940,300 | £1,541,701 |
| Retirement planning in Newham | London | £384,258 | £50,160 | £940,300 | £1,324,558 |
| Retirement planning in Redbridge | London | £500,969 | £50,160 | £940,300 | £1,441,269 |
| Retirement planning in Southwark | London | £564,359 | £50,160 | £940,300 | £1,504,659 |
| Retirement planning in Sutton | London | £450,859 | £50,160 | £940,300 | £1,391,159 |
| Retirement planning in Tower Hamlets | London | £458,392 | £50,160 | £940,300 | £1,398,692 |
| Retirement planning in Waltham Forest | London | £528,353 | £50,160 | £940,300 | £1,468,653 |
| Retirement planning in Wandsworth | London | £672,069 | £50,160 | £940,300 | £1,612,369 |
| Retirement planning in Westminster | London | £844,095 | £50,160 | £940,300 | £1,784,395 |