Help understanding my standing

Hi

So I am trying to work out if I am on target to retire at 60. Details below

Age: 43

Pension pot 1: 200,000 Scottish widows not investing anymore

Pension pot 2: 5,000 investing £620 per month

My contribution is 10% matched by company (10% is max matched)

Is it worth upping to 11%?

Should pay mortgage off at 60.

I dont spend huge amounts so won't need a lot in retirement. My partner should have a nice Pension herself from DB Pension.

I dont know if small % increases are worth it at moment vs overpaying mortgage and getting that down faster.

I have used online calculators and get estimates between a total pot of £350k and £530k at 60!

Any advice is appreciated.

Posted Apr 5, 2026, 3:12 PM UTC

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