When you reach State Pension age, the Government will provide you with your State Pension. The actual amount you’ll receive is determined by various factors such as the National Insurance contributions that you’ve made throughout your working life, and whether you’ve ‘contracted out’ at any point in the past.

The age at which you’ll receive your State Pension depends on when you were born. You can check your State Pension age by using the Government’s State Pension age calculator at gov.uk

For individuals reaching State Pension age on or after 6 April 2016 the full new State Pension is currently £221.20 per week (for tax year 2024/2025).

You don’t get your State Pension automatically – you have to claim it. You’ll get a letter before you reach State Pension age telling you what to do. You can delay (defer) claiming it, which could increase the payments you get when you decide to claim it.

Find out how much State Pension you can receive and when

Visit gov.uk to find out:

• how much State Pension you could get;
• when you can get it; and
• how to increase it, if you can

Alternatively, you can call the Future Pension Centre on 0800 731 0175 and they can send you a forecast.

Other pensions

You may hold pension benefits through other arrangements, such as a workplace/ company pension scheme, or a personal pension. You can find out more about these types of pension here.