What the state actually pays, what retirement actually costs, and the private pot you'd need to bridge the difference.
Full new state pension under the triple lock.
| Tax year | Weekly | Annual |
|---|---|---|
| 2025-26 | £230.25 | £11,973 |
| 2024-25 | £221.20 | £11,502 |
| 2023-24 | £203.85 | £10,600 |
Your own entitlement depends on National Insurance record — check your forecast on gov.uk (free, takes 2 minutes).
How big a pot would you need on top of the state pension? Uses the common 4% sustainable-withdrawal rule of thumb.
A rule of thumb, not advice — annuity rates, retirement age and inflation all shift the real number.
We show the official numbers; these sites run live quotes across dozens of providers.
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