What state pension will I get when I retire? How to check your state pension forecast


The state pension age has been rising for many years, with it currently set to reach 66 by October 2020, for both men and women. This is due to continue to rise further, based on current law. According to the current schedule, the state pension age is due to hit 68 between 2037 and 2039, following new plans by the government in 2017.

Anyone who reached state pension age before April 6, 2016 will be receiving the state pension under the old rules.

Under these rules the full basic pension is currently £129.20.

However, for those who have not yet reached state pension age, they will be receiving the new state pension.

To claim the new state pension, a man would need to be born on or after April 6, 1951 and a woman would need to be born on or after April 6, 1953.

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To receive any income from a state pension, an individual would need at least 10 qualifying years on their National Insurance record, although those years do not have to be in a row. The amount you’ll receive will be based on how much National Insurance you’ve contributed overall.

To receive the full new state pension you will need to have a 35 year National Insurance record as a minimum. For those who qualify, the full state pension is £168.60 per week.

For those who would like to check on their state pension details, the government provides a step by step guide online.

There are two main elements that the website can help with: when a person can retire and how much that person could get.

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To check state pension age, there are only two questions asked. It will ask for a person’s date of birth and if they are a man or woman. Once that information has been submitted, it will provide an exact date for when the state pension can be claimed.

A person can also find out information on working after state pension age or retiring earlier with a personal pension if they wish.

The next main element of the service is focused on the amount an individual could receive. In order to establish a state pension forecast, registration will be required. A proof of identity will be needed.

For those already registered, signing in can be done through a government gateway, gov.uk verification, or with a digital identity scheme for those based in a European country.

To create a government gateway account, a National Insurance number, recent payslip, P60 or valid UK passport will be needed. For a gov.uk verify account a UK address, passport or driving licence is required.

Once one of these accounts has been set up, a process can be followed to find out how much state pension a person is currently on schedule to receive.

It will provide details on when the individual can expect to get it and how it can be increased if possible.

There is also support for those who may have further concerns. There is information on financial help that could be available for those on low incomes, struggling to pay rent or heating bill, claiming benefits, or are disabled.



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