£750/month Pension from Age 40
Retirement at 65 · 25 years · UK pension projection
Projected pension pot at 65 — £750/month from Age 40
| Growth assumption | Pot at age 65 | Annual income (4% drawdown) | Monthly income |
|---|---|---|---|
| Conservative (4%/yr) | £385,597 | £15,424 | £1,285 |
| Moderate (6%/yr) | £519,745 | £20,790 | £1,733 |
| Optimistic (8%/yr) | £713,270 | £28,531 | £2,378 |
| Total you contribute | £225,000 | over 25 years | |
How your pot grows — £750/month at 6% annual growth
| Age | Years saving | Projected pot (6%) | Contributed so far |
|---|---|---|---|
| 45 | 5 | £52,328 | £45,000 |
| 50 | 10 | £122,910 | £90,000 |
| 55 | 15 | £218,114 | £135,000 |
| 60 | 20 | £346,531 | £180,000 |
| 65 | 25 | £519,745 | £225,000 |
Figures are future nominal values. Assumes £750/month contributed consistently with monthly compounding at 6% annual growth. Does not include employer contributions or inflation adjustment.
State Pension supplement
The full new State Pension in 2025-26 is £11,502/year (£958/month) for those with 35 qualifying NI years. Add this to your private pension income to estimate total retirement income. At 6% growth, your private pension adds £1,733/month — giving a combined £2,691/month if you qualify for the full State Pension.
Frequently asked questions
How much will I have in my pension if I save £750/month from age 40?
If you save £750/month from age 40 to age 65 (25 years), your projected pension pot is £385,597 at 4% annual growth, £519,745 at 6%, or £713,270 at 8%. You will have contributed £225,000 in total; the rest is investment growth.
What income will £519,745 in a pension provide?
Using the 4% sustainable withdrawal rate — a common rule of thumb — £519,745 provides approximately £20,790/year (£1,733/month) in retirement income. This does not include the State Pension (currently £11,502/year full new State Pension in 2025-26), which would supplement your private pension income.
Is £750/month enough for a pension?
The Pensions and Lifetime Savings Association defines a 'moderate' retirement standard as around £31,300/year for a single person. To assess whether £750/month is enough, compare your projected income of £1,733/month to your expected retirement expenses, factoring in the State Pension and any other income sources.
How does employer matching affect my pension at £750/month?
The projections above show personal contributions only. If your employer matches contributions — typically 3–6% of salary — your total monthly pension saving could be significantly higher. For auto-enrolment, the minimum total is 8% of qualifying earnings (3% employer + 5% employee). Adding your employer contribution to £750/month will increase your final pot proportionally.