Charity Help the Aged has published research which suggests there is widespread ignorance about pensions.
Help the Aged are against raising the pension age
One in five people have no idea of the value of their state pension when they retire, the poll suggests.
The report says nearly two thirds of those questioned thought they would not be able to live on their final pension.
Reports earlier this week suggested the government's pensions commission will urge raising the pension age by two years to 67.
Pollsters Mori quizzed 1,067 working adults, aged 18 to 54 between September and October.
The poll also revealed that 20% of people expect the pension to be their main source of income in retirement.
Of those questioned, slightly more than 10% felt they had made enough provision for their retirement.
The Mori research is part of a briefing on attitudes to pensions published by Help The Aged, aged of the long-awaited Pensions Commission report, due out on 30 November.
Help the Aged is not in favour of raising the pension age, but agrees payouts should be more generous.
A parallel survey of 1,000 adults by NFP Synergy found 62% worried that the pension would not be enough to live on when they retired. Only 13% felt it would be adequate.
Some 31% of women have no idea whether they have paid enough into their pension for it to be worth anything, compared to 24% of men, the NFP Synergy poll found.
Michael Lake, director of the charity, which wants a radical overhaul of the existing state pension system, said: "One in five think they will come to rely on basic state provision as one of their main sources of income. But that is already the case for over half of today's pensioners.
"Some experts have suggested that figure could rise to 70 per cent in years to come."
People questioned by Mori also thought pensioners could do without certain items. Nearly a third of 18-40-year-olds said their mobile phone was essential, but only 10% of them thought it was vital for the over 55s.
Similarly they thought an annual holiday, while deemed essential by over a third of the UK's working adults, only 24% thought such breaks were a necessary bonus for those over 54 and pensioners.