Scotland

38.2% of households in Scotland are on track to have a pension value which will allow them a moderate income in retirement (around £34,000 a year for a couple). That’s around 1% less than the national average.

To find out what your pension could pay in retirement, try our pension calculator.

If it doesn’t shape up, don’t worry. There could still be time to make a difference. After you enter your details and get your results, we also offer some top tips to boost your pension.

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• Average private pension wealth
  The average household private pension wealth in Scotland is around £105,600. This is just below the national average of £111,700. (ONS, March 2020)
• Average house price
  The average house price in Scotland is £192,518. This is about £93,500 less than the UK national average of £286,000. (ONS, May 2023)
• Average income after tax
  The average net income for households in Scotland is around £33,626 a year. This is below the national average of £37,416.
• Average expenditure
  The average household expenditure in Scotland is around £32,592 a year. This is below the national average of £35,309.

North East

40% of households in the North East are on track to have a pension value which will allow them a moderate income in retirement (around £34,000 a year for a couple). That’s similar to the national average.

To find out what your pension could pay in retirement, try our pension calculator.

If it doesn’t shape up, don’t worry. There could still be time to make a difference. After you enter your details and get your results, we also offer some top tips to boost your pension.

Try the pension calculator

• Average private pension wealth
  The average household private pension wealth in the North East is around £97,000. This is less than the national average of £111,700. (ONS, March 2020)
• Average house price
  The average house price in the North East is £158,779. This is about £127,500 less than the UK national average of £286,000. (ONS, May 2023)
• Average income after tax
  The average net income for households in the North East is around £33,360 a year. This is below the national average of £37,416.
• Average expenditure
  The average household expenditure in the North East is around £32,210 a year. This is below the national average of £35,309.

North West

40.4% of households in the Northwest are on track to have a pension value which will allow them a moderate income in retirement (around £34,000 a year for a couple). That’s about 1% more than the national average.

To find out what your pension could pay in retirement, try our pension calculator.

If it doesn’t shape up, don’t worry. There could still be time to make a difference. After you enter your details and get your results, we also offer some top tips to boost your pension.

Try the pension calculator

• Average private pension wealth
  The average household private pension wealth in the North West is around £112,900. This is just above the national average of £111,700. (ONS, March 2020)
• Average house price
  The average house price in the North West is £211,790. This is about £74,000 less than the UK national average of £286,000. (ONS, May 2023)
• Average income after tax
  The average net income for households in the North West is around £37,008 a year. This is a similar amount to the national average of £37,416.
• Average expenditure
  The average household expenditure in the Northwest is around £34,605 a year. This is just below the national average of £35,309.

Yorkshire & the Humber

37.8% of households in Yorkshire and the Humber are on track to have a pension value which will allow them a moderate income in retirement (around £34,000 a year for a couple). That’s around 1% less than the national average.

To find out what your pension could pay in retirement, try our pension calculator.

If it doesn’t shape up, don’t worry. There could still be time to make a difference. After you enter your details and get your results, we also offer some top tips to boost your pension.

Try the pension calculator

• Average private pension wealth
  The average household private pension wealth in Yorkshire and the Humber is around £102,000. This is below the national average of £111,700. (ONS, March 2020)
• Average house price
  The average house price in Yorkshire and the Humber is £204,588. This is about £81,500 less than the UK national average of £286,000. (ONS, May 2023)
• Average income after tax
  The average net income for households in the Yorkshire and the Humber around £34,179 a year. This is below the national average of £37,416.
• Average expenditure
  The average household expenditure in the Yorkshire and the Humber is around £32,807 a year. This is below the national average of £35,309.

East Midlands

34.2% of households in the East Midlands are on track to have a pension value which will allow them a moderate income in retirement (around £34,000 a year for a couple). That’s around 5% less than the national average.

To find out what your pension could pay in retirement, try our pension calculator.

If it doesn’t shape up, don’t worry. There could still be time to make a difference. After you enter your details and get your results, we also offer some top tips to boost your pension.

Try the pension calculator

• Average private pension wealth
  The average household private pension wealth in the East Midlands is around £87,200. This is below the national average of £111,700. (ONS, March 2020)
• Average house price
  The average house price in the East Midlands is £247,242. This is about £39,000 less than the UK national average of £286,000. (ONS, May 2023)
• Average income after tax
  The average net income for households in the East Midlands is around £34,743 a year. This is below the national average of £37,416.
• Average expenditure
  The average household expenditure in the East Midlands is around £33,061 a year. This is below the national average of £35,309.

West Midlands

36.6% of households in the West Midlands are on track to have a pension value which will allow them a moderate income in retirement (around £34,000 a year for a couple). That’s around 3% less than the national average.

To find out what your pension could pay in retirement, try our pension calculator.

If it doesn’t shape up, don’t worry. There could still be time to make a difference. After you enter your details and get your results, we also offer some top tips to boost your pension.

Try the pension calculator

• Average private pension wealth
  The average household private pension wealth in the West Midlands is around £107,100. This is just below the national average of £111,700. (ONS, March 2020)
• Average house price
  The average house price in the West Midlands is £248,166. This is about £38,000 less than the UK national average of £286,000. (ONS, May 2023)
• Average income after tax
  The average net income for households in the West Midlands is around £34,152 a year. This is below the national average of £37,416.
• Average expenditure
  The average household expenditure in the West Midlands have around £32,705 a year. This is below the national average of £35,309.

Wales

39.3% of households in Wales are on track to have a pension value which will allow them a moderate income in retirement (around £34,000 a year for a couple). That’s the same as the national average.

To find out what your pension could pay in retirement, try our pension calculator.

If it doesn’t shape up, don’t worry. There could still be time to make a difference. After you enter your details and get your results, we also offer some top tips to boost your pension.

Try the pension calculator

• Average private pension wealth
  The average household private pension wealth in Wales is around £131,300. This is above the national average of £111,700. (ONS, March 2020)
• Average house price
  The average house price in Wales is £213,374. This is about £72,500 less than the UK national average of £286,000. (ONS, May 2023)
• Average income after tax
  The average net income for households in Wales is around £33,302 a year. This is below the national average of £37,416.
• Average expenditure
  The average household expenditure in Wales is around £32,354 a year. This is below the national average of £35,309.

East of England

41.3% of households in the East of England are on track to have a pension value which will allow them a moderate income in retirement (around £34,000 a year for a couple). That’s 2% more than the national average.

To find out what your pension could pay in retirement, try our pension calculator.

If it doesn’t shape up, don’t worry. There could still be time to make a difference. After you enter your details and get your results, we also offer some top tips to boost your pension.

Try the pension calculator

• Average private pension wealth
  The average household private pension wealth in the East of England is around £121,500. This is above the national average of £111,700. (ONS, March 2020)
• Average house price
  The average house price in the East of England is £345,710. This is about £59,500 more than the UK national average of £286,000. (ONS, May 2023)
• Average income after tax
  The average net income for households in the East of England is around £41,102 a year. This is above the national average of £37,416.
• Average expenditure
  The average household expenditure in the East of England is around £38,631 a year. This is above the national average of £35,309.

London

34.8% of households in London are on track to have a moderate income in retirement. That’s about 4% less than the national average.

These figures are based on the wider UK moderate income level set by industry experts of £34,000 for a couple. If this was compared to the income level for Londoners (£41,400 a year for a couple), even fewer people would be on track.

To find out what your pension could pay in retirement, try our pension calculator.

If it doesn’t shape up, don’t worry. There could still be time to make a difference. After you enter your details and get your results, we also offer some top tips to boost your pension.

Try the pension calculator

• Average private pension wealth
  The average household private pension wealth in London is around £84,500. This is less than the national average of £111,700. (ONS, March 2020)
• Average house price
  The average house price in London is £525,629. This is about £239,500 more than the UK national average of £286,000. (ONS, May 2023)
• Average income after tax
  The average net income for households in London is around £38,848 a year. This is above the national average of £37,416.
• Average expenditure
  The average household expenditure in London is around £35,153 a year. This is just below the national average of £35,309.

South East

47.4% of households in the South East are on track to have a pension value which will allow them a moderate income in retirement (around £34,000 a year for a couple). That’s about 8% more than the national average and the highest percentage out of all regions.

To find out what your pension could pay in retirement, try our pension calculator.

If it doesn’t shape up, don’t worry. There could still be time to make a difference. After you enter your details and get your results, we also offer some top tips to boost your pension.

Try the pension calculator

• Average private pension wealth
  The average household private pension wealth in the South East is around £155,100. This is more than the national average of £111,700. (ONS, March 2020)
• Average house price
  The average house price in South East is £388,873. This is about £103,000 more than the UK national average of £286,000. (ONS, May 2023)
• Average income after tax
  The average net income for households in the South East is around £45,159 a year. This is above the national average of £37,416 and the highest compared to all regions.
• Average expenditure
  The average household expenditure in the South East is around £41,621 a year. This is above the national average of £35,309.

South West

40.6% of households in the South West are on track to have a pension value which will allow them a moderate income in retirement (around £34,000 a year for a couple). That’s just over 1% more than the British national average.

To find out what your pension could pay in retirement, try our pension calculator.

If it doesn’t shape up, don’t worry. There could still be time to make a difference. After you enter your details and get your results, we also offer some top tips to boost your pension.

Try the pension calculator

• Average private pension wealth
  The average household private pension wealth in the South West is around £115,600. This is just above the average private pension wealth in Great Britain of £111,700. (ONS, March 2020)
• Average house price
  The average house price in the South West is £323,765. This is about £38,000 more than the UK national average of £286,000. (ONS, May 2023)
• Average income after tax
  The average net income for households in the South West is around £39,911 a year. This is above the average Great British household income of £37,416.
• Average expenditure
  The average household expenditure in the South West is around £36,986 a year. This is above the average Great British household expenditure of £35,309.