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The average salary in the UK may or may not be enough to give you the disposable income you need to secure the lifestyle to which you aspire in retirement. According to the latest data from the Office for National Statistics (ONS), real household disposable income per person increased by 1.2% during the final quarter of 2025.
In 2026, experts expect disposable income growth to remain slow due to continued pressure from inflation, taxes, and the rising cost of living. Recent reports also show that household debt in the UK remains high compared with disposable income.
What counts as disposable income?
Money that is used to pay rent, utilities, food, clothing, insurance, etc
