Retire at 55 :)

hugheskevi

You should also consider the new flexible drawdown rules.

If you have a pension income of over £20,000 then another pension pot built up could be taken entirely as a lump sum.

So say you saved £1,200 each year for the next 7 years and ended up with £10K or so, you could take 25% tax free, and the remaining 75% as a lump sum taxed at marginal rate.

Given you look like having an income of around £20K and are a higher rate tax-payer then this could be attractive.