Lifestyle explorer
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Exploring your retirement lifestyle should take between 5 and 10 minutes.
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Before you begin, you’ll need to know the total of all your pensions. You may have multiple pensions if you have worked at different companies.

Retirement Living Standards

You typically need around two-thirds of your salary to maintain the lifestyle you are used to. To help you understand how your pension can afford a specific lifestyle, the Pensions and Lifetime Savings Association classify retirement in three different levels.


Single £14,400
Couple £22,400

A ‘minimum’ lifestyle covers all your needs, with some left over for fun and social occasions.


Single £31,300
Couple £43,100

A ‘moderate’ lifestyle provides more financial security and more flexibility.


Single £43,100
Couple £59,000

A lifestyle that allows you to be more spontaneous with your money.

Amounts are gross, per annum.