Will you get £13,000 a year when you stop working? Here's how to check
The UK state pension is expected to exceed £13,000 annually next April due to the triple lock mechanism, yet one in eight people have never checked their forecast. Individuals can verify their expected entitlement through the HMRC app or online portal, which requires identity verification. Experts recommend checking early to identify gaps in National Insurance records and potentially make voluntary payments to boost future benefits.
- ▪The flat-rate state pension is currently £12,547.60 a year and is projected to rise above £13,000 in April.
- ▪Generally, 35 years of qualifying National Insurance contributions are required to receive a full state pension.
- ▪Voluntary National Insurance payments can only be made for the previous six years, making early checks crucial.
- ▪A survey by HMRC found that people aged 45-54 were the most likely demographic to have never checked their pension forecast.
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| Publication time | Sun, 20 Sep 2026 23:02:45 GMT |
| Retrieval time | 2026-09-20T23:03:47.483Z |
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Will you get £13,000 a year when you stop working? Here's how to checkImage source, Getty ImagesByKevin PeacheyCost of living correspondentPublished1 minute agoIt may well be decades away, but do you know how much money you will get when you stop working?The current state pension is soon likely to top £13,000 a year.Yet one in eight people surveyed by the UK tax authority have never checked how much money they are forecast to receive.Here's how to find out, and what you can do now to boost it.How much is the state pension?If you're working, it is highly likely you're contributing to the state pension - paid by the government when you hit pension age in your late 60s.
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