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How to check your State Pension forecast

Knowing how much you're set to receive from your State Pension can be invaluable for future planning. Thanks to a new online service introduced by the Government in 2024, checking and filling any gaps in your National Insurance (NI) record is now easier than ever. Let’s explore how you can view your State Pension forecast and understand your potential pension increase.

Why Check Your State Pension Forecast?

Your State Pension is a vital part of your retirement income. For many, it’s a cornerstone of financial security. However, not everyone gets the full amount. This usually happens because they haven't paid enough NI contributions. If you have gaps in your record, it could affect how much you receive. Fortunately, you have until April 2025 to fill any gaps in your NI record, going as far back as April 2006.

Using the Online Service

The joint service by HMRC and the DWP makes accessing your State Pension forecast straightforward. By using the online platform, you can see how much pension you might receive and what improvements can be made through voluntary NI contributions. Here’s how you can view your forecast:

  1. Visit the Gov.uk Website: https://www.gov.uk/check-state-pension



  2. Click ‘Start Now’: This will take you to the login page.

  3. Login: Use your Government Gateway account. If you don’t have one, setting it up is quick and straightforward.

  4. Review Your Summary: Once logged in, you'll see a summary detailing when you can start receiving your pension and the predicted amounts on a weekly, monthly, and yearly basis.



The online service offers estimates based on your current contributions and potential contributions if you continue to pay NI until reaching State Pension age.

Alternative Options

If the online route doesn't suit you, there are other ways to access your forecast:

  • Phone: Call the Future Pension Centre at 0800 731 0175 to get your forecast details.

  • Post: Complete a BR19 form and mail it to the Future Pension Centre.

With these options, creating a Government Gateway account isn't necessary.

Step Into Your Retirement Confidently

Understanding your State Pension forecast is a crucial step toward ensuring a comfortable retirement. By seeing where you stand today, you can make informed decisions about your financial future. Whether you access your forecast online, by phone, or by post, the important thing is to take action and make sure you're on track for the retirement you deserve.

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SOME IMPORTANT THINGS YOU SHOULD KNOW
Pensions are long terms investments. It’s important that you know the value of your investment could go up as well as down. You could get back less than you put in. Past performance is not necessarily a guide to the future and pension investing is not intended to be a short-term option. Penny does not provide financial advice so please be sure that this investment is right for you.

Your current pension might have special benefits that will be lost if you transfer to Penny. These special benefits include: Guaranteed Annuity Rate (GAR), Guaranteed Bonus Rate (GBR), Guaranteed Minimum Pension (GMP) and Protected Tax Free Cash (PFTC) over 25%. If this is the case, we will not transfer your pension, as you may be better off not transferring in these cases.

Your current provider might charge you a transfer-fee to transfer your pension to Penny. If this is the case, we will not transfer your pension, as you may be better off not transferring in these cases.

You should consider the charges and benefits before transferring your old pensions to your new plan, and consider whether the risk and reward profile of the investments offered matches your needs. It may be that your current provider has lower fees than Penny - where this is the case, we recommend that you carefully consider whether to transfer your pension to Penny, as you may be better off not transferring in these cases.

If you are in any doubt about proceeding you should contact a financial adviser.
© Copyright 2025 Penny Technology Limited. Company registration: 11999643. FCA Reference Number: 931299.
PENSION
FAQs
FUNDS
FEES
iOS APP
ANDROID APP
COMPANY
ABOUT
FCA AUTHORISED
HELP & SUPPORT
RESOURCES
Articles
Scam Smart
MoneyHelper
TERMS & CONDITIONS
PRIVACY POLICY
SOCIAL
Linkedin
instagram
SOME IMPORTANT THINGS YOU SHOULD KNOW
Pensions are long terms investments. It’s important that you know the value of your investment could go up as well as down. You could get back less than you put in. Past performance is not necessarily a guide to the future and pension investing is not intended to be a short-term option. Penny does not provide financial advice so please be sure that this investment is right for you.

Your current pension might have special benefits that will be lost if you transfer to Penny. These special benefits include: Guaranteed Annuity Rate (GAR), Guaranteed Bonus Rate (GBR), Guaranteed Minimum Pension (GMP) and Protected Tax Free Cash (PFTC) over 25%. If this is the case, we will not transfer your pension, as you may be better off not transferring in these cases.

Your current provider might charge you a transfer-fee to transfer your pension to Penny. If this is the case, we will not transfer your pension, as you may be better off not transferring in these cases.

You should consider the charges and benefits before transferring your old pensions to your new plan, and consider whether the risk and reward profile of the investments offered matches your needs. It may be that your current provider has lower fees than Penny - where this is the case, we recommend that you carefully consider whether to transfer your pension to Penny, as you may be better off not transferring in these cases.

If you are in any doubt about proceeding you should contact a financial adviser.
© Copyright 2025 Penny Technology Limited. Company registration: 11999643. FCA Reference Number: 931299.
PENSION
FAQs
FUNDS
FEES
iOS APP
ANDROID APP
COMPANY
ABOUT
FCA AUTHORISED
HELP & SUPPORT
RESOURCES
Articles
Scam Smart
MoneyHelper
TERMS & CONDITIONS
PRIVACY POLICY
SOCIAL
Linkedin
instagram
SOME IMPORTANT THINGS YOU SHOULD KNOW
Pensions are long terms investments. It’s important that you know the value of your investment could go up as well as down. You could get back less than you put in. Past performance is not necessarily a guide to the future and pension investing is not intended to be a short-term option. Penny does not provide financial advice so please be sure that this investment is right for you.

Your current pension might have special benefits that will be lost if you transfer to Penny. These special benefits include: Guaranteed Annuity Rate (GAR), Guaranteed Bonus Rate (GBR), Guaranteed Minimum Pension (GMP) and Protected Tax Free Cash (PFTC) over 25%. If this is the case, we will not transfer your pension, as you may be better off not transferring in these cases.

Your current provider might charge you a transfer-fee to transfer your pension to Penny. If this is the case, we will not transfer your pension, as you may be better off not transferring in these cases.

You should consider the charges and benefits before transferring your old pensions to your new plan, and consider whether the risk and reward profile of the investments offered matches your needs. It may be that your current provider has lower fees than Penny - where this is the case, we recommend that you carefully consider whether to transfer your pension to Penny, as you may be better off not transferring in these cases.

If you are in any doubt about proceeding you should contact a financial adviser.
© Copyright 2025 Penny Technology Limited. Company registration: 11999643. FCA Reference Number: 931299.