The Chest Score
Like a credit score - but for your pension. Your Chest Score shows where you stand today and how your pension could shape your future lifestyle.
How it works.
Your Chest Score is out of 1,200. It’s made up of three pillars (400 points each). A score of 1,000+ suggests you may be in a strong position.
Pot Strength
How does your pension pot compare for your age and salary?
We compare what you've saved against benchmarks based on your age and income - so you can see whether you're broadly on track, or if there's ground to make up.
Savings Habits
Are you putting enough in to support your future?
We estimate what you should be contributing based on your income - including both personal and employer contributions - and factor in what the State Pension will and won't cover.
Future Outlook
What could retirement actually look like if you keep going as you are?
We project your pension forward based on what you've saved and what you're putting in now - then show whether your projected retirement income could reach the level you'd need.
See what your future could look like.
Rather than just show your pot size and leave you to figure out what it means - Chest goes further - projecting what your pension could be worth and what income it could give you in retirement.
Projections are estimates based on assumptions and are not guaranteed. Past performance is not a reliable indicator of future results. The value of your pension can go down as well as up.
How much is enough?
Your projections show what you might have by retirement. Your Chest Score helps you understand whether that might be enough.
So what is "enough"?
PLSA Retirement Living Standards.
| Retirement Living Standard | One person Annual income |
Two people Annual income |
What it could look like |
|---|---|---|---|
| Minimum | £13,400 | £21,600 | Covers all basic needs, with some money left for fun. Could include a self-catering or half-board UK holiday, eating out once a month, and some affordable leisure activities with family and friends once or twice a week. |
| Moderate | £31,700 | £43,900 | Offers more financial security and flexibility than Minimum. Could include an annual overseas holiday, a long weekend off-peak in the UK, a takeaway each week, and eating out a couple of times a month. |
| Comfortable | £43,900 | £60,600 | Allows more spontaneity than Moderate, including extra-long weekends away in the UK, some day trips, and more spending on eating out and social activities. |
| Retirement Living Standard | One person Annual income |
Two people Annual income |
|---|---|---|
| Minimum Basics covered, with some money left for fun | £13,400 | £21,600 |
| Moderate More financial security and flexibility | £31,700 | £43,900 |
| Comfortable More freedom, choice and spontaneity | £43,900 | £60,600 |
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Capital is at risk when investing. The Chest Score is for informational purposes only and isn’t personal financial advice. Projections are based on assumptions and are not guaranteed. The value of your pension can go down as well as up. Tax treatment depends on individual circumstances and may change in the future.
The pension
that fits your life.
Chest Group Limited (FCA Registration: 1045044) is an appointed representative of RiskSave Technologies Ltd, which is authorised and regulated by the Financial Conduct Authority under firm reference number 775330. This information can be verified on the Financial Services Register. Chest is a trading name of Chest Group Limited. Chest Group Limited is registered in England No. 15923634. Registered office, 124 City Road, London, United Kingdom, EC1V 2NX.