A pension is a way to save money for later in your life.

You may be able to get:

  • a pension from the government (‘State Pension’)
  • money from pension schemes you or your employer pay into

You might need more money than just the State Pension when you retire.

Find out how much State Pension you could get (your forecast) and when you can get it.

Use MoneyHelper’s pension calculator to get an estimate of your income when you retire and the ways you can increase it.

  1. Step 1 Check when you can retire

  2. and Check how much pension you could get

  3. Step 2 Increase your pension

    You might be able to increase the amount you get if you delay your pension.

    1. Find out about delaying your pension

    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).

    1. Check if you can pay voluntary National Insurance contributions

    For advice about increasing your workplace or private pension, speak to a financial adviser.

    1. Find a financial adviser through Unbiased
  4. Step 3 Check what other financial support you could get

  5. Step 4 Decide when to retire