This is a difficult question to answer but one you should consider as it will depend on the lifestyle you want to have when you stop working. The more extravagent lifestyle that you wish to lead in later life the more you will have to have saved into your pension. It is often said that ten times your salary is a good benchmark to aim for by the time you reach retirement. Therefore by the time you are in your 30s, you should have saved around two or three times your salary. The amount saved into the pension then builds until retirement.