Updated
Updated · The Independent · Sep 14
HMRC Says 12.5% of UK Adults Haven't Checked State Pension Forecast
Updated
Updated · The Independent · Sep 14

HMRC Says 12.5% of UK Adults Haven't Checked State Pension Forecast

2 articles · Updated · The Independent · Sep 14

Summary

  • More than one in eight UK adults have not checked whether their state pension is on track, according to HMRC-commissioned research released ahead of Pension Awareness Week.
  • 45- to 54-year-olds were especially unlikely to have checked, even though that age group still has time to address shortfalls before retirement.
  • HMRC said people can review their forecast through its app or on gov.uk, and some may be able to top up contributions if eligible.
  • Pension experts said the check matters because the full new state pension generally requires 35 qualifying years, while gaps can usually be filled only for the previous six tax years.

Insights

Could a simple five-minute app check reveal hidden gaps in your state pension before the strict six-year window slams shut forever?
With strict new 2026 rules for expats, are thousands living abroad unknowingly losing their chance at a fully funded retirement?
Are voluntary pension top-ups a guaranteed financial safety net or a risky gamble on an unpredictable future system?