State Pension Forecasts

The State Pension Forecast will give you an estimate of how much basic State Pension and Additional State Pension you will get when you reach State Pension age, and will help you to decide whether or not you need to save more.    

A State Pension forecast will provide you with a number of pieces of information:

  • A forecast of how much State Pension you may get at State Pension age;
  • An estimate of the current value of your State Pension;
  • Information on how you can improve your Basic State Pension;
  • A forecast of how much you could get by deferring your State Pension;
  • The number of years you have made National Insurance contributions;
  • An indication of the amount of State Pension you may be able to get by using your late or former spouse's or civil partner's NI contributions;
  • The effect on your Second State Pension, if you are contracted out, either through a personal pension or a occupational pension scheme.

Some changes to the State Pension forecasting services have been introduced whilst essential updates are being made to The Pension Service computer systems. These updates are necessary to reflect important changes in the State Pension rules that are now law.

How you get an estimate of your State Pension will depend on whether you are:

  • A woman born before 6 April 1953 or a man born before 6 April 1951;

If you fall into this category it means that you are not affected by the latest changes to the State Pension rules. The quickest way how to get a State Pension forecast is to use the State Pension profiler. It uses information you provide to quickly give you an estimate of how much basic State Pension you may get and the earliest date you may get it. A State Pension forecast gives you more detailed information on the State Pension you may get when you reach State Pension age.

  • A woman born on or after 6 April 1953 or a man born on or after 6 April 1951;

The Pension Service is making essential updates to its computer systems, to reflect recent changes to the State Pension. Until these updates have been made there are two possible ways you can get personalised information about your State Pension. The easiest way is to use the State Pension profiler, which uses information you provide to quickly give you an estimate of how much basic State Pension you may get based on your National Insurance contributions to date. Alternatively, you can get an estimate of your State Pension by asking for a State Pension statement. The statement will give you estimates of how much basic and additional State Pension and, if appropriate, any Graduated Retirement Benefit you can get. It is based on your National Insurance record as it stands on the date the statement is prepared, but remember that it is not a forecast of how much State Pension you will get when you reach State Pension age.

To apply for a State Pension forecast, you will need:

  • Your National Insurance (NI) number;
  • Details of your current salary, if you are paid by an employer;
  • The types of National Insurance contributions (NICs) you're paying;
  • Details of any marriages, civil partnerships or annulments;
  • Your spouse's or civil partner's National Insurance (NI) number (if you're married or in a civil partnership);
  • Details of any time you have spent working abroad.

If you live in the UK and are more than 30 days away from State Pension age, then you can apply by phone (calling to the State Pension Forecasting Team on 0845 3000 168) or by post (completing and returning an application form BR19).

If you live in the UK, are not widowed, and are more than 4 months away from State Pension age, then you may apply for a State Pension forecast online at: https://secure.thepensionservice.gov.uk/statepensionforecast/