It’s well worth thinking about how much money you want to have and you’re likely to need when you retire, so you can work out how much you need to save each month towards your target. You’ll find information to help you do this at www.which.co.uk/money/pensions-and-retirement.

And remember, you may get an income from other places – for example, most people get the State Pension.

If you are aged 50 or over you can also get help from Pension Wise, a free service from the government. Call them on 0800 138 3944 or visit pensionwise.gov.uk/en/work-out-income