Simon Lambert

and you can see where you're at, and it will tell you roughly when you can retire.

So use that calculator or go find one of the other ones out there.

Put the numbers in and see where you're at.

In terms of getting more in, Helen's suggestion of if you get a pay rise, putting it in is a great one.

That's a relatively painless way of doing it.

I say relatively painless.

It's not pain-free because you might be looking forward to being able to spend that money or not feeling quite as poor as you do at the moment and go, oh, thank God I'm due a pay rise soon.

But if you haven't got enough going into your pension, just chuck that in there.

If you're self-employed, I'm sorry, it's on you.

You need to be thinking about this in terms of your finances over the course of the year.

How are you going to do it?

Are you going to do it every month?

Are you going to do it with lump sums?

Are you going to do it potentially with some money that you've got left over and what you're putting aside to pay your tax bill each year, which hopefully you're putting aside more than you need and you end up with a

Are you going to think about it when you bill someone?

And every time you bill someone £400, you're thinking, right, 40 of this has to go into my pension.

And if you do need to get from that auto enrolment amount of 8% up to, say, 13%, which takes you above the 12%.

Well, the way you could do this is by doubling what you put in.

So if you put in 4%, then the government will then be putting in 2% because it tops it up by 25%.

And your employer, if you're on auto enrolment levels, would still be putting in 3%.