In development This website is in development and is not yet live. The content is illustrative and is still being finalised and reviewed. It is general information only, not financial advice and not a financial promotion.
LLB Later Life Borrowing

The gap between the State Pension and the income you want

The full new State Pension is a foundation, not a full retirement income for most people. This tool shows the gap between it and the income you are aiming for, so you can see how much you need to cover from pensions, savings or property wealth.

The full new State Pension is around £11,973 a year for 2025/26 (indicative). Your actual amount depends on your National Insurance record. Check your forecast and the current figure at gov.uk.

Income to find beyond the State Pension

£10,027

State pension gap
ItemPer yearPer month
Copy this data as text

Assumptions: the State Pension figure is an indicative 2025/26 amount for the full new State Pension and is not a personal forecast. Many people receive less because of their National Insurance record, and some receive more through protected payments. Confirm your own figure at gov.uk. This tool ignores tax, inflation and any other benefits you may be entitled to.