How much you should be saving now for your retirement - pension saving plans

We can't all be Kim Kardashian. And chances are that unlike her famous family, you spent your twenties - or are still spending them - doing exactly that. Spending.

Young people are feeling the crunch of the economy more than ever, buying property is becoming more and more unobtainable and sometimes, it's fun to just enjoy being young rather than worrying about being old.

But according to a new survey published by The Mirror, if we want to enjoy the life of luxury (sort of) when we're retired, then we need to start making sacrifices now.

Consumer group Which looked into the financial requirements of a comfortable pension and found that retired couples need ?18,000 for basic living (food, housing, transport etc) and £26,000 for holidays and a social life.

Which worked out that in order to enjoy that amount of money annually, it would require a savings pot of £210,000 in today's money, alongside the state pension. Yeah, RIGHT.

Using current retirement ages and state pension allowances, Which calculated that the figure 20-year-old couples would need to save each year to reach this goal is £131 a month combined. Assuming that you're not necessarily with the person you're going to retire with at 20, you better hope your soon-to-be other-half is reading this too...

The report found that savings would need to be increased to £198 a month for couples starting at the age of 30, £338 a month starting aged 40 and £633 a month starting aged of 50.

The lesson here? Start saving for your pension 10-years-ago and you'll be fine.

Gareth Shaw, money expert at Which? told The Mirror: "When it comes to saving for your retirement: start early and save often.

"Being a part of your company pension scheme is a good start, but, depending on how much you contribute, you could well need to save a little more to have the lifestyle you want in retirement."

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