Check your State Pension forecast now

by Aitch, posted in Pension

A new press release from HMRC is highlighting the fact that almost 7 million UK adults could be heading towards retirement without knowing how much State Pension they may be entitled to. New research has found that around one in eight adults (12.5%) have never checked their State Pension forecast. 

Those aged 45 to 54 are more likely than any other age group to have never checked their forecast, despite this being an important time for retirement planning. However, it is important that people of all ages check their State Pension forecast regularly rather than leaving it until retirement is approaching.

The State Pension forecast shows when someone can claim their State Pension, how much they could receive and whether there are ways to increase their entitlement. It can also be used alongside a National Insurance record to identify gaps in contributions or credits.

Where there are gaps, some people may be able to pay voluntary National Insurance contributions. However, paying voluntary contributions does not always increase the State Pension, so the forecast and National Insurance record should be checked before making a payment.

The forecast can be checked through the free HMRC app or online via GOV.UK. If you have never checked your State Pension forecast or it has been a long time since you did so, it could be worth taking a few minutes to find out what your State Pension position looks like.

Source:HM Revenue & Customs | 21-09-2026
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Aitch
I'm Aitch, the Founder and CEO of CIGMA Accounting Ltd. As a Chartered Management Accountant and as a CIMA member, I've spent more than 16 years helping businesses, entrepreneurs, landlords, and individuals with tax planning, accounting, and HMRC compliance. As a chartered accountant in London, I'm passionate about making complex tax matters easier to understand and helping clients make confident financial decisions. Over the years, I've advised start-ups, SMEs, established companies, and high-net-worth individuals across a wide range of tax and accounting matters. My expertise includes Corporation Tax, Self-Assessment, Capital Gains Tax, Inheritance Tax planning, R&D tax relief, capital allowances, international tax, and resolving complex HMRC compliance issues. Whether clients need a business accountant, tax accountant, or strategic tax advisor, my focus is always on delivering practical advice that creates long-term value. One of my specialist areas is Making Tax Digital (MTD). I've worked extensively with businesses preparing HMRC's digital reporting requirements, helping them move to cloud accounting, improve financial processes, and adopt technology that makes compliance more efficient. I regularly speak at Making Tax Digital roadshows, industry events, and educational sessions in collaboration with Zoho Books, sharing practical insights into digital accounting, tax legislation, and the future of the profession. Many business owners looking for the best accounting firm in London are not simply searching for an accountant they're looking for trusted advice, responsive support, and long-term value. That's the approach I've taken in building CIGMA Accounting. My team and I work closely with businesses across London and the UK, providing accounting services, tax advisory, bookkeeping, payroll, VAT, company accounts, and strategic tax planning tailored to each client's goals. Through this website, I share practical guidance on UK taxation, Making Tax Digital, HMRC updates, Corporation Tax, Self-Assessment, and business finance. My aim is to provide reliable, straightforward information that helps business owners understand changing regulations, reduce compliance risks, and make informed financial decisions with confidence.
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