Am I behind for my age?
“Behind” only makes sense against someone else’s number — an average, a cohort, a rule of thumb. None of those are you, and none of them know what you hold, what you earn, or what you want.
So we don’t answer “am I behind?”. We answer a better question: given your money, where are you actually heading?
Averages hide enormous variation and quietly set a finish line you never chose. Comparing to them tends to produce anxiety, not action.
The useful thing isn’t a verdict — it’s a trajectory you can see and change. That’s all this tool does.
Your whole picture in one place: pension, stocks and shares, and cash, carried forward to 60.
The split between what you put in and what the market adds — usually the market does most of the work, given enough time.
What changes if you change: stopping, carrying on, or adding a little more each month.