The state pension 'postcode lottery' that millions face is today laid bare by the Daily Mail's new calculator.

Retirees in parts of the country with the lowest life expectancy will get just six years of payouts, according to our analysis of current Government plans.

Worth just shy of £12,000 every year at present, that would entitle someone to draw around £72,000.

This may be cut even further if Labour hikes the state pension age to 70, effectively forcing men in areas such as Blackpool – where life expectancy for men born today sits at 73 – to work almost until they die.

In stark contrast, retirees in Kensington and Chelsea – where women born today are expected to live until they turn 86 – will be in line for two decades of payouts, a sum in the region of £227,000 at current prices.