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Work out how much money you'll get when you retire and plan ahead - State Pension, Pension Credit, National Insurance

• Overview

  A pension is a way to save money for later in your life. You may be able…

• Your pension options

  You can pay into as many pension schemes as you want. It depends on how…

• Private pension schemes

  Workplace pensions and personal or stakeholder pensions are a way of…

• Pensions from the government

  The pension you get from the government (‘State Pension’) is based on your…

• Working past State Pension age

  You might decide that you do not want to stop working when you reach State…

• Get help

  When planning your pension and retirement income you might need help with:…

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

How to claim the basic State Pension and how it's calculated - for men born before 6 April 1951 and women born before 6 April 1953.

• Who gets the basic State Pension

  Everyone eligible for the basic State Pension has now reached State…

• How much you get

  How much basic State Pension you get depends on your National Insurance…

• When you're paid

  The basic State Pension is usually paid every 4 weeks into an account of…

• Claim a delayed (deferred) State Pension

  You can claim your delayed State Pension by either: calling the State…

• Increasing or inheriting State Pension from your spouse or civil partner

  You may be able to: increase your basic State Pension through your spouse…

Work out your State Pension age and Pension Credit qualifying age

Additional State Pension, also known as the State Second Pension or SERPS, is extra money on top of your basic State Pension.

You may be able to increase your State Pension based on the National Insurance record

Plan your retirement income - State Pension, improve your pension, pay National Insurance, check your State Pension age

How to get and claim your State Pension, State Pension age - for men born on or after 6 April 1951 and women born on or after 6 April 1953.

Calculating State Pension, Pension Credit, eligibility, claiming and deferring

• Updated: 21 December 2022

Changes to how your UK State Pension is calculated if you live in the EU, EEA or Switzerland and previously lived in Australia, Canada or New Zealand.

• Updated: 9 August 2021