Lee Boyce

And there's three retirements labelled here, which I'll get into shortly.

But what a really basic level is showing is that if you want a moderate lifestyle, it will cost £32,700 a year for one person and £45,400 for two people.

You'll need that every year.

But it's estimated that just 23% of the working population would reach such a level.

For a comfortable lifestyle, which is the one above that, £45,400 for a single person, £62,700 for a couple, only 9% of people are on track essentially to do that.

Now, what these figures do do, they do also factor in state pension into this.

So they're working on the basis that you're going to get full state pension.

Because I wonder that in 20 years time, those figures are going to look very different as to the number of people who've bought a house as a number of people who are renting in retirement.

And it's really worth pointing out this is just meant as a very, very, very kind of loose guide.

It's just, I think, to sharpen focus onto your private pension saving and trying to sort of say, look, this is what you need to maintain a lifestyle that you may have come accustomed to.

You don't want to get quite later into your working life and find that actually you're going to be well short.

So those three categories, Georgie, they start with minimum.

For a couple, £22,500 is what's needed.

Single person, £13,900.

Most working people were on track for that retirement, thanks largely to state pension, which, of course, we, again, won't know what will look like in decades to come time.

But that includes £200 a year to maintain property.

It's roughly £57 a week on shopping, £111 for a couple.

It's just no car, but using public transport instead.

Week-long UK holiday every year.

and a budget of around about £460 a year for a single person on clothing, £882 for a couple.