How Much Do I Need to Retire UK? Age 55, 60, 65 Guide

For a £30k/year retirement, expect to need roughly £900k at age 55, £780k at 60, or £450k at 65 (single person, no DB pension).

The earlier you retire, the bigger the pot, because you have more years before the State Pension and a longer horizon to fund.

The full new State Pension in 2026/27 is £241.30/week, around £12,548/year, payable from age 66 (rising to 67 from 2026 to 2028).

The PLSA Retirement Living Standards put a "Moderate" single retirement at £31,300/year and "Comfortable" at £43,100/year.

Use the [FI Number Calculator](/tools/fi-number-calculator) to plug in your own spend and timeline rather than relying on a single rule of thumb.