In order to maintain the same standard of living, pensioners require an amount equal to their average gross salary (for previous years) less all withholdings, including the costs of going to work, restaurant meals, transportation, and miscellaneous expenses. On the other hand, added to the amount should be equivalents for benefits lost - such as group health insurance, credit union access and the like. ILO economists believe the indexed pension should be in the range of 65% of a person's average gross earnings. Many governments believe the indexed range should not exceed a maximum irrespective of earnings beyond national average income levels, so that pensions may be as little as 20 or 30% of average gross income in many cases.
A 1992 survey found that the average person in the USA had set aside only $2,300 in assets or savings for retirement.