Plain-English answers to the UK money questions people actually ask. No jargon, no selling, and a tool at the end of each one to run your own numbers.
The honest answer depends on the life you want, not a single magic number. Here is what the research actually says, what the State Pension covers, and how to work out your own target.
If payroll closed before you could use salary sacrifice, you have probably paid more tax than you needed to. Most of the income tax is recoverable. The National Insurance is not.
Renting is not throwing money away, and buying is not automatically an investment. The real question is how long you plan to stay, and the answer is more specific than you would think.
Up to £1 million for a couple, if you know how the two allowances stack. Here is how the nil-rate bands work, where the £2 million taper bites, and what changes in April 2027.