It is very important that workers start planning and saving for their retirement as early as possible. This will ensure easy payments and smaller amounts. The longer saving is put off, the more a worker will need to pay later on if they decide to target a greater pension amount. It is a fact that those who begin saving in their mid-twenties fare much better than those who start in their thirties and forties. It is important to use a good pension calculator to work out the specific amount to be saved each month or year for future retirement.