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Worried about my pension prediction

77 replies

Suchagreedydoggo · 20/10/2026 12:43

Does anyone else know what there's is and can compare?
Had three years out with Dd, but the rest i've worked.
I'm 48 and Chat help seems to be predicting (obviously can't be exact!) recieving around £1000 per month state pension, with a couple of hundred extra from private pensions, should also be able to downsize by age 67 and have some equity from that and have until then to get more, but does this seem enough?
Have a partner who does have a higher prediction but we're not married, so it won't count for anything will it?

OP posts:
Starryskiestonight · 21/10/2026 11:41

Suchagreedydoggo · 20/10/2026 16:52

I feel scared now

Don’t be scared - you’re at an age where you still have time to do something about it! Don’t be like my parents who have no private pension provision or savings and are living off the state pension only. It’s not enough even though they own their own home and downsized to free up some cash. It’s spurred me on to make sure I’m in a better position when the time comes. Unfortunately you have to do the work to educate yourself but there are plenty of guides out there. It’s impossible to predict EXACTLY how much to save and how much you’ll have vs. what you’ll need when you retire but you can aim for ballpark figures based on the links I’ve shared previously.

Shatenoeuf · 22/10/2026 08:19

45k in your private/workplace pensions at age 48 is barely anything, it suggests you have had less than 2k a year going in between you AND your employer, and almost no growth. Are you sure thats right? It would buy an annuity of less than £2k a year so not even a couple of hundred pounds a month.

Are you working very part time? Id be looking for better paid work/more hours.

As a rule you want half your age going in as a percentage of earnings eg at 48, 24%.

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