Skip to content

Income and expenditure (decumulation)

Where a non-ONS source is indicated, the link leads to an external website.

Pension Trends Chapter 11: Pensioner income and expenditure
Pension Trends Chapter 12: Household pension resources
Pension Trends Chapter 13: Inequalities and poverty in retirement
British Household Panel Survey (BHPS) - Institute for Social and Economic Research (ISER)

The BHPS is an annual survey consisting of a nationally representative sample of households recruited in 1991.

Extension samples for Scotland and Wales were added to the main BHPS sample in 1999 to enable independent analysis of each country.

In 2001 an extension sample was added for Northern Ireland. The total sample size for the BHPS including the extension samples is now around 10,000 households across the UK.

The BHPS contains longitudinal data for private pension scheme membership and retirement income.

English Longitudinal Study of Ageing (ELSA) - Institute for Fiscal Studies (IFS)

The ELSA survey sample is drawn from a representative sample of respondents to the Health Survey for England (HSE) aged 50 and over.

The Work and Pensions module collects from each member of the ELSA sample employment details, job characteristics, earnings, occupational pension contributions or receipts, and retirement decisions.

The survey collects sufficient information to establish individual pension contributions and pension rights for those not currently drawing pensions and to determine how these will change with employment or retirement decisions.

For those wishing to study pension rights in detail, separate datasets at pension-scheme level have been produced.

ELSA Wave 3 Chapter 4: Financial resources and well-being
ELSA Wave 2 Chapter 9 : Expenditure and consumption
Effects of taxes and benefits on household income - Office for National Statistics (ONS)

Based on an analysis of data from the Living Costs and Food Survey (LCF) this annual series examines how taxes and benefits redistribute income between various groups of households including retired households in the UK.

Family Resources Survey (FRS) - Department for Work and Pensions (DWP)

The FRS is a continuous survey of around 29,000 private UK households and collects information on both the receipt of pension income and whether contributions are currently being made (both occupational and personal pensions).

It contains information about the profile of scheme membership and information broken down by sex, age and employment status.

For occupational pensions the FRS contains information on length of membership, whether the scheme is contributory, whether additional voluntary contributions are being paid (and in what form), and what has happened to earlier accrued rights.

For personal pensions it contains information on how many personal pensions are held (currently), when they were taken out, if they are contracted-out, who pays in and how much was contributed by the individual.

Family Spending - A report on the Living Costs and Food Survey - Office for National Statistics (ONS)

Comprehensive overview of all aspects of household expenditure and income including that of retired households derived from the Living Costs and Food Survey (LCF).

Households Below Average Income (HBAI) - Department of Work and Pensions (DWP)

Based on an analysis of the Family Resources Survey (FRS), the HBAI series presents information on living standards of pensioners as determined by their disposable income in a given year, changes in income patterns over time and income mobility.

Living Costs and Food Survey (LCF) - Office for National Statistics (ONS) and Department for Environment, Food and Rural Affairs (DEFRA)

The LCF is a continuous survey of household expenditure, food consumption and income based on a sample of around 6,000 private households in the UK.

The LCF (formerly known as the Expenditure and Food Survey, EFS) began in 2001, taking over from the Family Expenditure Survey (FES) and the National Food Survey (NTS).

It includes details of the expenditure of households in receipt of pensions.

Low income dynamics - Department for Work and Pensions (DWP)

This publication is based on results from the British Household Panel Survey (BHPS).

It analyses movements of individuals within the income distribution and examines the extent to which individuals persistently experience low income before housing costs (BHC) and after housing costs (AHC).

Pensioners' Income Series - Department of Work and Pensions (DWP)

Contains estimates of the level and sources of pensioners' incomes, based on two household surveys: the Family Resources Survey (FRS) and the Living Costs and Food Survey (LCF).

Content from the Office for National Statistics.
© Crown Copyright applies unless otherwise stated.