Check your State Pension forecast

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data-track-dimension="Visas and immigration" data-track-dimension-index="29" data-ga4-link="{"event_name":"navigation","type":"header menu bar","index":"1.1.16","index_total":29,"section":"Topics"}" href="/web/20230315221702/https://www.gov.uk/browse/visas-immigration">Visas and immigration</a> </li> <li class="gem-c-layout-super-navigation-header__dropdown-list-item"> <a class="govuk-link gem-c-layout-super-navigation-header__navigation-second-item-link" data-track-action="topicsLink" data-track-category="headerClicked" data-track-label="/browse/working" data-track-dimension="Working, jobs and pensions" data-track-dimension-index="29" data-ga4-link="{"event_name":"navigation","type":"header menu bar","index":"1.1.17","index_total":29,"section":"Topics"}" href="/web/20230315221702/https://www.gov.uk/browse/working">Working, jobs and pensions</a> </li> </ul> </div> <div class="govuk-grid-column-one-third-from-desktop gem-c-layout-super-navigation-header__column--government-activity"> <h3 class="govuk-heading-m gem-c-layout-super-navigation-header__column-header"> Government activity </h3> <ul class="gem-c-layout-super-navigation-header__navigation-second-items gem-c-layout-super-navigation-header__navigation-second-items--government-activity"> <li class="gem-c-layout-super-navigation-header__dropdown-list-item"> <a class="govuk-link gem-c-layout-super-navigation-header__navigation-second-item-link gem-c-layout-super-navigation-header__navigation-second-item-link--with-description" data-track-action="governmentactivityLink" data-track-category="headerClicked" data-track-label="/government/organisations" data-track-dimension="Departments" data-track-dimension-index="29" data-ga4-link="{"event_name":"navigation","type":"header menu bar","index":"1.2.1","index_total":29,"section":"Government activity"}" href="/web/20230315221702/https://www.gov.uk/government/organisations">Departments</a> <p 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govuk-link" data-track-category="stepNavHeaderClicked" data-track-action="top" data-track-label="/plan-for-retirement" data-ga4-link="{"event_name":"navigation", "type":"super breadcrumb", "index":{"index_link": "1"}, "index_total":"1"}" data-track-dimension="Plan your retirement income: step by step" data-track-dimension-index="29" data-track-options="{"dimension96":"c0ff9296-e91e-40d1-97bd-008026e90426"}"> Plan your retirement income: step by step </a> </div> </div> <main id="content" role="main" class=" govuk-main-wrapper"> <div class="govuk-grid-row"> <div class="govuk-grid-column-two-thirds"> <div class="gem-c-title govuk-!-margin-top-0 govuk-!-margin-bottom-8"> <h1 class="gem-c-title__text govuk-heading-xl"> Check your State Pension forecast </h1> </div> </div> <div class="article-container group govuk-grid-column-two-thirds"> <div class="content-block"> <div class="inner"> <section class="intro"> <div class="get-started-intro"> <div class="gem-c-govspeak govuk-govspeak " data-module="govspeak"> <p>Use this service to find out:</p> <ul> <li>how much State Pension you could get</li> <li>when you can get it</li> <li>how to increase it, if you can</li> </ul> <div role="note" aria-label="Information" class="application-notice info-notice"> <p>This page is also <a href="/web/20230315221702/https://www.gov.uk/gwirio-eich-pensiwn-y-wladwriaeth">available in Welsh (Cymraeg)</a>.</p> </div> <p><a href="/web/20230315221702/https://www.gov.uk/government/news/proposed-new-timetable-for-state-pension-age-increases">The State Pension age is under review</a> and may change in the future.</p> <div role="note" aria-label="Information" class="application-notice info-notice"> <p>You cannot use this service if you’re already getting your State Pension or if you’ve delayed (‘deferred’) claiming it.</p> </div> <p>To use this service, you’ll need to prove your identity using Government Gateway. You’ll be able to register for Government Gateway if you have not used it before.</p> </div> </div> <p id="get-started" class="get-started group"> <a class="gem-c-button govuk-button govuk-button--start gem-c-button--bottom-margin" role="button" rel="external" data-module="govuk-button cross-domain-tracking" data-tracking-code="UA-43414424-1" data-tracking-name="transactionTracker" draggable="false" href="http://web.archive.org/web/20230315221702/https://www.tax.service.gov.uk/gg/sign-in?continue=/check-your-state-pension/account&accountType=individual&origin=nisp-frontend"> Start now <svg class="govuk-button__start-icon govuk-!-display-none-print" xmlns="http://www.w3.org/2000/svg" width="17.5" height="19" viewbox="0 0 33 40" focusable="false" aria-hidden="true"> <path fill="currentColor" d="M0 0h13l20 20-20 20H0l20-20z"></path> </svg> </a> </p> </section> <section class="more"> <div id="other-ways-to-apply"> <h2 class="gem-c-heading gem-c-heading--font-size-27 govuk-!-margin-bottom-4">Other ways to apply</h2> <div class="gem-c-govspeak govuk-govspeak " data-module="govspeak"> <p>Applying online is the quickest way to get a forecast. If you’ll reach your <a href="/web/20230315221702/https://www.gov.uk/state-pension-age">State Pension age</a> in more than 30 days you can also:</p> <ul> <li>fill in the <a href="/web/20230315221702/https://www.gov.uk/government/publications/application-for-a-state-pension-statement">BR19 application form</a> and send it by post</li> <li>call the <a href="/web/20230315221702/https://www.gov.uk/future-pension-centre">Future Pension Centre</a> who will post the forecast to you</li> </ul> <h2 id="if-youre-already-getting-your-state-pension-or-have-delayed-claiming-it">If you’re already getting your State Pension or have delayed claiming it</h2> <p>To get information about your State Pension, contact the <a href="/web/20230315221702/https://www.gov.uk/contact-pension-service">Pension Service</a> if you’re in the UK or the <a href="/web/20230315221702/https://www.gov.uk/international-pension-centre">International Pension Centre</a> if you live abroad.</p> </div> </div> </section> </div> </div> </div> <div class="govuk-grid-column-one-third"> <div class="gem-c-contextual-sidebar"> <div class="gem-c-step-nav-related gem-c-step-nav-related--singular" data-module="gem-track-click ga4-link-tracker"> <h2 class="gem-c-step-nav-related__heading"> <span class="gem-c-step-nav-related__pretitle">Part of</span> <a href="/web/20230315221702/https://www.gov.uk/plan-for-retirement" class="govuk-link" data-track-category="stepNavPartOfClicked" data-track-action="Part of" data-track-label="/plan-for-retirement" data-track-dimension="Plan your retirement income: step by step" data-track-dimension-index="29" data-track-options="{"dimension96" : "c0ff9296-e91e-40d1-97bd-008026e90426" }" data-ga4-link="{"event_name":"navigation", "type":"related content", "index":{"index_link": "1"}, "index_total":"1"}"> Plan your retirement income: step by step </a> </h2> </div> <div data-module="gemstepnav ga4-event-tracker ga4-link-tracker" data-ga4-expandable class="gem-c-step-nav js-hidden govuk-!-display-none-print " data-id="c0ff9296-e91e-40d1-97bd-008026e90426" data-show-text="Show" data-hide-text="Hide" data-show-all-text="Show all steps" data-hide-all-text="Hide all steps"> <ol class="gem-c-step-nav__steps"> <li class="gem-c-step-nav__step js-step " id="check-when-you-can-retire" data-track-count="stepNavSection"> <div class="gem-c-step-nav__header js-toggle-panel" data-position="1"> <h3 class="gem-c-step-nav__title"> <span class="gem-c-step-nav__circle gem-c-step-nav__circle--number"> <span class="gem-c-step-nav__circle-inner"> <span class="gem-c-step-nav__circle-background"> <span class="gem-c-step-nav__circle-step-label govuk-!-display-none-print visuallyhidden">Step</span> 1<span class="gem-c-step-nav__circle-step-colon govuk-!-display-none-print visuallyhidden" aria-hidden="true">:</span> </span> </span> </span> <span class="js-step-title"> Check when you can retire </span> </h3> </div> <div class="gem-c-step-nav__panel js-panel" id="step-panel-check-when-you-can-retire-1"> <ol class="gem-c-step-nav__list " data-length="3"> <li class="gem-c-step-nav__list-item js-list-item "><a data-position="1.1" data-ga4-link="{"event_name":"navigation","type":"step by step","index":{"index_section":"1","index_link":"1"},"index_total":"3","section":"Check when you can retire"}" class="gem-c-step-nav__link js-link" href="/web/20230315221702/https://www.gov.uk/state-pension-age?step-by-step-nav=c0ff9296-e91e-40d1-97bd-008026e90426">Check what age you can get your State Pension </a></li> <li class="gem-c-step-nav__list-item js-list-item "><a data-position="1.2" data-ga4-link="{"event_name":"navigation","type":"step by step","index":{"index_section":"1","index_link":"2"},"index_total":"3","section":"Check when you can retire"}" class="gem-c-step-nav__link js-link" href="/web/20230315221702/https://www.gov.uk/working-retirement-pension-age?step-by-step-nav=c0ff9296-e91e-40d1-97bd-008026e90426">Find out about working after you reach State Pension age </a></li> <li class="gem-c-step-nav__list-item js-list-item "><a data-position="1.3" data-ga4-link="{"event_name":"navigation","type":"step by step","index":{"index_section":"1","index_link":"3"},"index_total":"3","section":"Check when you can retire"}" class="gem-c-step-nav__link js-link" href="/web/20230315221702/https://www.gov.uk/early-retirement-pension/personal-and-workplace-pensions?step-by-step-nav=c0ff9296-e91e-40d1-97bd-008026e90426">Find out if you can retire early with your workplace or personal pension </a></li> </ol> </div> </li> <li class="gem-c-step-nav__step js-step gem-c-step-nav__step--active" aria-current="step" data-show id="check-how-much-pension-you-could-get" data-track-count="stepNavSection"> <div class="gem-c-step-nav__header js-toggle-panel" data-position="2"> <h3 class="gem-c-step-nav__title"> <span class="gem-c-step-nav__circle gem-c-step-nav__circle--logic"> <span class="gem-c-step-nav__circle-inner"> <span class="gem-c-step-nav__circle-background"> and </span> </span> </span> <span class="js-step-title"> Check how much pension you could get </span> </h3> </div> <div class="gem-c-step-nav__panel js-panel" id="step-panel-check-how-much-pension-you-could-get-2"> <ol class="gem-c-step-nav__list " data-length="1"><li class="gem-c-step-nav__list-item js-list-item gem-c-step-nav__list-item--active"><a data-position="2.1" data-ga4-link="{"event_name":"navigation","type":"step by step","index":{"index_section":"2","index_link":"1"},"index_total":"1","section":"Check how much pension you could get"}" class="gem-c-step-nav__link js-link" href="#content"><span class="gem-c-step-nav__link-active-context visuallyhidden">You are currently viewing: </span>Find out how much State Pension you could get (your forecast) </a></li></ol> <p class="gem-c-step-nav__paragraph">You may also be paying into a:</p> <ul class="gem-c-step-nav__list gem-c-step-nav__list--choice" data-length="2"> <li class="gem-c-step-nav__list-item js-list-item "><a data-position="2.2" data-ga4-link="{"event_name":"navigation","type":"step by step","index":{"index_section":"2","index_link":"2"},"index_total":"2","section":"Check how much pension you could get"}" class="gem-c-step-nav__link js-link" href="/web/20230315221702/https://www.gov.uk/workplace-pensions?step-by-step-nav=c0ff9296-e91e-40d1-97bd-008026e90426">workplace pension </a></li> <li class="gem-c-step-nav__list-item js-list-item "><a data-position="2.3" data-ga4-link="{"event_name":"navigation","type":"step by step","index":{"index_section":"2","index_link":"3"},"index_total":"2","section":"Check how much pension you could get"}" class="gem-c-step-nav__link js-link" href="/web/20230315221702/https://www.gov.uk/pension-types?step-by-step-nav=c0ff9296-e91e-40d1-97bd-008026e90426">personal pension </a></li> </ul> <ol class="gem-c-step-nav__list " data-length="2"> <li class="gem-c-step-nav__list-item js-list-item "><a data-position="2.4" data-ga4-link="{"event_name":"navigation","type":"step by step","index":{"index_section":"2","index_link":"4"},"index_total":"2","section":"Check how much pension you could get"}" class="gem-c-step-nav__link js-link" href="/web/20230315221702/https://www.gov.uk/tax-on-pension?step-by-step-nav=c0ff9296-e91e-40d1-97bd-008026e90426">Find out if you’ll pay tax on your pension </a></li> <li class="gem-c-step-nav__list-item js-list-item "><a data-position="2.5" data-ga4-link="{"event_name":"navigation","type":"step by step","index":{"index_section":"2","index_link":"5"},"index_total":"2","section":"Check how much pension you could get"}" class="gem-c-step-nav__link js-link" href="/web/20230315221702/https://www.gov.uk/find-pension-contact-details?step-by-step-nav=c0ff9296-e91e-40d1-97bd-008026e90426">Find contact details for a lost pension </a></li> </ol> </div> </li> <li class="gem-c-step-nav__step js-step " id="increase-your-pension" data-track-count="stepNavSection"> <div class="gem-c-step-nav__header js-toggle-panel" data-position="3"> <h3 class="gem-c-step-nav__title"> <span class="gem-c-step-nav__circle gem-c-step-nav__circle--number"> <span class="gem-c-step-nav__circle-inner"> <span class="gem-c-step-nav__circle-background"> <span class="gem-c-step-nav__circle-step-label govuk-!-display-none-print visuallyhidden">Step</span> 2<span class="gem-c-step-nav__circle-step-colon govuk-!-display-none-print visuallyhidden" aria-hidden="true">:</span> </span> </span> </span> <span class="js-step-title"> Increase your pension </span> </h3> </div> <div class="gem-c-step-nav__panel js-panel" id="step-panel-increase-your-pension-3"> <p class="gem-c-step-nav__paragraph">You might be able to increase the amount you get if you delay your pension.</p> <ol class="gem-c-step-nav__list " data-length="1"><li class="gem-c-step-nav__list-item js-list-item "><a data-position="3.1" data-ga4-link="{"event_name":"navigation","type":"step by step","index":{"index_section":"3","index_link":"1"},"index_total":"1","section":"Increase your pension"}" class="gem-c-step-nav__link js-link" href="/web/20230315221702/https://www.gov.uk/deferring-state-pension?step-by-step-nav=c0ff9296-e91e-40d1-97bd-008026e90426">Find out about delaying your pension </a></li></ol> <p class="gem-c-step-nav__paragraph">You might be able to pay voluntary contributions to fill in gaps in your National Insurance record (such as, from when you were not working or claiming benefits). </p> <ol class="gem-c-step-nav__list " data-length="1"><li class="gem-c-step-nav__list-item js-list-item "><a data-position="3.2" data-ga4-link="{"event_name":"navigation","type":"step by step","index":{"index_section":"3","index_link":"2"},"index_total":"1","section":"Increase your pension"}" class="gem-c-step-nav__link js-link" href="/web/20230315221702/https://www.gov.uk/voluntary-national-insurance-contributions/who-can-pay-voluntary-contributions?step-by-step-nav=c0ff9296-e91e-40d1-97bd-008026e90426">Check if you can pay voluntary National Insurance contributions </a></li></ol> <p class="gem-c-step-nav__paragraph">For advice about increasing your workplace or private pension, speak to a financial adviser.</p> <ol class="gem-c-step-nav__list " data-length="1"><li class="gem-c-step-nav__list-item js-list-item "><a rel="external" data-position="3.3" data-ga4-link="{"event_name":"navigation","type":"step by step","index":{"index_section":"3","index_link":"3"},"index_total":"1","section":"Increase your pension"}" class="gem-c-step-nav__link js-link" href="http://web.archive.org/web/20230315221702/https://www.unbiased.co.uk/">Find a financial adviser through Unbiased </a></li></ol> </div> </li> <li class="gem-c-step-nav__step js-step " id="check-what-other-financial-support-you-could-get" data-track-count="stepNavSection"> <div class="gem-c-step-nav__header js-toggle-panel" data-position="4"> <h3 class="gem-c-step-nav__title"> <span class="gem-c-step-nav__circle gem-c-step-nav__circle--number"> <span class="gem-c-step-nav__circle-inner"> <span class="gem-c-step-nav__circle-background"> <span class="gem-c-step-nav__circle-step-label govuk-!-display-none-print visuallyhidden">Step</span> 3<span class="gem-c-step-nav__circle-step-colon govuk-!-display-none-print visuallyhidden" aria-hidden="true">:</span> </span> </span> </span> <span class="js-step-title"> Check what other financial support you could get </span> </h3> </div> <div class="gem-c-step-nav__panel js-panel" id="step-panel-check-what-other-financial-support-you-could-get-4"> <p class="gem-c-step-nav__paragraph">Check what financial help you could get if you:</p> <ul class="gem-c-step-nav__list gem-c-step-nav__list--choice" data-length="5"> <li class="gem-c-step-nav__list-item js-list-item "><a data-position="4.1" data-ga4-link="{"event_name":"navigation","type":"step by step","index":{"index_section":"4","index_link":"1"},"index_total":"5","section":"Check what other financial support you could get"}" class="gem-c-step-nav__link js-link" href="/web/20230315221702/https://www.gov.uk/pension-credit?step-by-step-nav=c0ff9296-e91e-40d1-97bd-008026e90426">are on a low income </a></li> <li class="gem-c-step-nav__list-item js-list-item "><a data-position="4.2" data-ga4-link="{"event_name":"navigation","type":"step by step","index":{"index_section":"4","index_link":"2"},"index_total":"5","section":"Check what other financial support you could get"}" class="gem-c-step-nav__link js-link" href="/web/20230315221702/https://www.gov.uk/housing-benefit?step-by-step-nav=c0ff9296-e91e-40d1-97bd-008026e90426">need help paying your rent </a></li> <li class="gem-c-step-nav__list-item js-list-item "><a data-position="4.3" data-ga4-link="{"event_name":"navigation","type":"step by step","index":{"index_section":"4","index_link":"3"},"index_total":"5","section":"Check what other financial support you could get"}" class="gem-c-step-nav__link js-link" href="/web/20230315221702/https://www.gov.uk/winter-fuel-payment?step-by-step-nav=c0ff9296-e91e-40d1-97bd-008026e90426">need help paying your heating bill </a></li> <li class="gem-c-step-nav__list-item js-list-item "><a data-position="4.4" data-ga4-link="{"event_name":"navigation","type":"step by step","index":{"index_section":"4","index_link":"4"},"index_total":"5","section":"Check what other financial support you could get"}" class="gem-c-step-nav__link js-link" href="/web/20230315221702/https://www.gov.uk/cold-weather-payment?step-by-step-nav=c0ff9296-e91e-40d1-97bd-008026e90426">are claiming benefits and the weather is cold </a></li> <li class="gem-c-step-nav__list-item js-list-item "><a data-position="4.5" data-ga4-link="{"event_name":"navigation","type":"step by step","index":{"index_section":"4","index_link":"5"},"index_total":"5","section":"Check what other financial support you could get"}" class="gem-c-step-nav__link js-link" href="/web/20230315221702/https://www.gov.uk/attendance-allowance?step-by-step-nav=c0ff9296-e91e-40d1-97bd-008026e90426">are disabled </a></li> </ul> <p class="gem-c-step-nav__paragraph">You can also get free bus travel if you: </p> <ul class="gem-c-step-nav__list gem-c-step-nav__list--choice" data-length="1"><li class="gem-c-step-nav__list-item js-list-item "><a data-position="4.6" data-ga4-link="{"event_name":"navigation","type":"step by step","index":{"index_section":"4","index_link":"6"},"index_total":"1","section":"Check what other financial support you could get"}" class="gem-c-step-nav__link js-link" href="/web/20230315221702/https://www.gov.uk/apply-for-elderly-person-bus-pass?step-by-step-nav=c0ff9296-e91e-40d1-97bd-008026e90426">apply for a bus pass </a></li></ul> </div> </li> <li class="gem-c-step-nav__step js-step " id="decide-when-to-retire" data-track-count="stepNavSection"> <div class="gem-c-step-nav__header js-toggle-panel" data-position="5"> <h3 class="gem-c-step-nav__title"> <span class="gem-c-step-nav__circle gem-c-step-nav__circle--number"> <span class="gem-c-step-nav__circle-inner"> <span class="gem-c-step-nav__circle-background"> <span class="gem-c-step-nav__circle-step-label govuk-!-display-none-print visuallyhidden">Step</span> 4<span class="gem-c-step-nav__circle-step-colon govuk-!-display-none-print visuallyhidden" aria-hidden="true">:</span> </span> </span> </span> <span class="js-step-title"> Decide when to retire </span> </h3> </div> <div class="gem-c-step-nav__panel js-panel" id="step-panel-decide-when-to-retire-5"> <ol class="gem-c-step-nav__list " data-length="1"><li class="gem-c-step-nav__list-item js-list-item "><a data-position="5.1" data-ga4-link="{"event_name":"navigation","type":"step by step","index":{"index_section":"5","index_link":"1"},"index_total":"1","section":"Decide when to retire "}" class="gem-c-step-nav__link js-link" href="/web/20230315221702/https://www.gov.uk/plan-retirement-income/get-financial-advice?step-by-step-nav=c0ff9296-e91e-40d1-97bd-008026e90426">Get advice on planning your pension and deciding when to retire </a></li></ol> </div> </li> </ol> </div> </div> </div> <div class="govuk-grid-column-two-thirds"> </div> </div> </main> </div> <div class="govuk-width-container"> <div class="gem-c-feedback govuk-!-display-none-print" data-module="feedback ga4-event-tracker"> <div class="gem-c-feedback__prompt gem-c-feedback__js-show js-prompt" tabindex="-1"> <div class="gem-c-feedback__prompt-content"> <div class="gem-c-feedback__prompt-questions js-prompt-questions" hidden> <div class="gem-c-feedback__prompt-question-answer"> <h2 class="gem-c-feedback__prompt-question">Is this page useful?</h2> <ul class="gem-c-feedback__option-list"> <li 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