You are probably fine. You cannot prove it.
You are 41. Two kids. A mortgage. A pension statement you have not opened in two years. These four collections are the numbers to measure yourself against. Pensions, savings, debt, tax. Sourced from the ONS, FCA, HMRC, Bank of England and original research, with every figure attributed to its primary source.
Four thematic collections, each with the underlying data tables, source citations and a methodology note.
8 stats
Whether your pension will actually be enough. What the state pension pays. What "on track" looks like at your age, in pounds, not in theory.
£270k
average pot at age 65
6 stats
How much is in the average UK pension pot at 35, 45 and 55. Where you sit against it. The gender pension gap. And the share of people who have not looked at their pension in over a year.
48%
gender pension gap, ages 55-59
9 stats
Average UK savings by age. How many adults have no emergency fund at all. How the country splits between cash and investments. The shape of household debt in 2026.
£1.89tn
total UK personal debt
7 stats
Income tax bands, the £100,000 taper trap most people never see coming, ISA subscription rates, and the National Insurance thresholds that changed this April.
60%
effective marginal rate at £100k
360 UK locations
The cheapest and most expensive places to retire in the UK, ranked across 360 cities, towns and counties. Retirement pot needed plus average local house price, by place and by region.
3.4x
cost gap between the cheapest and priciest UK place to retire
Five questions people in their late thirties and forties ask themselves most. Each maps to the collection with the answer.
If you have read this far, you are not behind because you are doing badly. You are behind because no one has shown you the picture.
The next step is two minutes. See where you stand against these same benchmarks with your actual figures. No sign-up, no jargon, just your number.
See my numberAll statistics on these pages are free to use with attribution. Cite them like this:
Bespoke cuts by age, region, income band or household type, for journalists on deadline and researchers working on long-form pieces.
Compiled by Syd Lawrence, founder of Delphina. Sources: ONS, FCA Financial Lives 2024, HMRC, Bank of England Money & Credit, DWP, The Money Charity, Delphina research (UK Financial Anxiety Index 2026, UK Parents Financial Worries 2026).