Will you get £13,000 a year when you stop working? Here's how to check
Summary
The UK state pension is expected to pass £13,000 a year soon. Many people have not checked how much pension they will receive, but there are ways to find out and actions to increase the amount.Key Facts
- The current flat-rate UK state pension is about £12,547 a year, soon to rise above £13,000.
- People who reached pension age before April 2016 get a lower basic state pension.
- To get a full state pension, you usually need 35 years of National Insurance contributions.
- National Insurance credits are given for caring roles like childcare or looking after family.
- Voluntary contributions can boost pension years, but only payments for the last six years count since April 2025.
- You can check your pension forecast through the HMRC app or official government website.
- It is important to verify your identity securely and avoid clicking unknown links to prevent scams.
- Many people, especially aged 45-54, have not checked their forecast because retirement feels far away or they lost track of previous pensions.
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