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    Retirement planning

    A simple framework for working out whether you are on track.

    By the Happy Wallets team·Updated June 2026·5 min read

    Three questions

    • What income will you want in retirement?
    • What will the State Pension and existing pots provide?
    • What is the gap, and how much extra saving closes it?

    Closing the gap

    Increasing contributions, capturing employer matches, and starting early all help. A pension calculator gives you a rough projection to work from.

    Frequently asked questions

    When should I start?+
    As early as you can — time in the market matters more than timing it. Even small amounts compound over decades.
    Accounts are coming soon — the site is in build