Given today's state pension age of 66 that would see retirees living until 93, and they need a bigger pension pot to last the course, especially if they want to enjoy their final years.
A moderate retirement lifestyle with one overseas holiday per year and several meals out a month requires annual income of at least £31,300, says the Pensions and Lifetime Savings Association.
This rises to £43,100 for a more comfortable lifestyle with small luxuries and mini-breaks.
Generating that kind of income isn't easy, with the new state pension currently only paying a maximum of £11,502 and many retirees getting less.
More than four in 10 know they're not saving enough despite adopting healthier lifestyles that may extend their life expectancy.
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