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?
Last updated 18 July 2026
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.
This guide is written and maintained by The Wodge. Nothing here is personalised financial advice — it's a plain explanation of a calculation anyone can do themselves.
The forecast tool linked below uses the exact same assumptions and formulas on every page, all stated openly on our methodology page. If you'd rather see your numbers than type them into a search box, that's what it's for — and you can read how we handle your data on the security page.