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You'd be surprised. I'm hoping compound interest will be friend! http://monevator.com/compound-interest-calculator/ The above is worth looking at if people want to understand what your final pension pot could be worth.

For 55 unfortunately not, although I don't know your salary. I started at 26 and put 8% and my company contributes 12% and even that may come short of what I wish to achieve by 65!!