Britons face a typical "income gap" of £411 a month between their current take-home pay and what they need to live on comfortably, a report has suggested.
The extra desired income would equate to an additional £7,236 gross per year, according to the Times of Our Lives report from Aviva.
The study also found that those with the highest household incomes believe they need the most extra, with 25 to 34-year-olds having a monthly net income of £2,287 but feeling they need an extra £627 per month, equivalent to an annual gross increase in income of £12,003.
Meanwhile, 35 to 44-year-olds, who have high debts and young families, were highlighted as the most "financially squeezed".
They were more concerned than other groups about how they would pay for unexpected costs, with a third listing this as a key worry. This age group said they needed an average of £596 net extra per month, or £10,762 gross per year.
Those aged over 65 said felt they needed the least amount of additional income at £23 net a month or £380 gross annually, despite older people being particularly badly squeezed by poor returns on savings and high energy bills.
Simon Warsop, business development director at Aviva, said: "It is clear that the pressure on the household purse is as great as ever, and even those that have the highest income feel they need the greatest increase to feel comfortable - to the tune of around £600 a month.
"This income gap is understandable, as people in the middle age groups see average household income drop and often face the additional costs of raising children, while debt remains high."
Those who took part in the study also voted the age of 35 as "the best age to be", when many milestones should have been achieved, according to the study.
The report was based on 2,024 adults interviewed in February.
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