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We’re carrying out essential work from 8.30pm on Tuesday 14 May, which means Online Account (for members) will be unavailable. We’re sorry for any inconvenience.

We’re sorry, but some customers are experiencing intermittent issues with our Online Account (for members). We’re working hard to fix this as quickly as we can.

Will you have enough retirement income?

Once you’ve calculated how much money you’ll need to live on when you retire, you can figure out how to generate that income.

Retirement income can come from many sources

Your pension pot with us

Simply log in to your Online Account to find out how much your pension pot is worth.

State Pension

When calculating your overall income, don’t forget to include your State Pension.

State Pension calculator »

Other pension pots

You may have multiple pension pots if you’ve worked for different companies or been self-employed.

It’s worthwhile tracing old pension pots from previous employers, as they can all contribute to your retirement income. You can take advantage of a free pension tracing service if you don’t know how to find them.

Pension Tracing Service »

Other savings

You could boost your retirement income through bank or building society savings, ISAs, premium bonds, investments, or an inheritance. If you think you’ve lost track of any savings, you can get help tracing them.

Trace your lost accounts and savings »

State benefits

As you approach retirement, you may also be eligible for other benefits such as a free bus pass, free NHS prescriptions, and eye tests. Depending on your age, you may also qualify for winter fuel payments.

If your retirement income is low, you may be eligible for pension credit.

This may also entitle you to additional benefits such as housing benefit and a discount on council tax.

Other income

If you intend to work full-time or part-time after you receive your pension, this will increase your retirement income. And any additional income from a rental property or holiday home will be considered as income, too. You’ll need to calculate how your total earned income, rental income and pension income may alter your tax bracket, as you could find yourself paying more.

Review your pensions

Try to review your pensions regularly, especially if your circumstances change.

If you get a pay rise, you may be able to contribute more.

If you marry or form a civil partnership (or divorce or dissolve a civil partnership), you should consider how this may affect your retirement.

Not enough income? Don’t despair. There are other ways to boost your retirement income.

 Next: Other ways to boost your retirement income »