Guide: Everything you need to know about the State Pension

Having a stable income when you retire could give you the independence to enjoy a meaningful and fulfilling life after work. Indeed, a July 2023 survey by Legal & General found that 94% of UK adults said that financial security was their most important retirement dream.

Your State Pension, along with other savings and investments, could provide the stability you need to support the retirement lifestyle you want.

However, there is a worrying lack of understanding about the State Pension among UK adults.

The Retirement Voice report published in April 2025 by Standard Life revealed that:

  • 50% of UK adults don’t know how much they’ll receive in their State Pension
  • 32% are unaware of their State Pension Age.

So, this useful guide explains the essential things you need to know about the State Pension, from when and how you can claim it to how the income it provides will increase during your retirement.

Download your copy here: Everything you need to know about the State Pension

If you have any questions about your State Pension entitlement and how it could supplement other sources of income in retirement, please get in touch.

Please note

This article is for general information only and does not constitute advice. The information is aimed at retail clients only.

All information is correct at the time of writing (September 2025) and is subject to change in the future.

HM Revenue and Customs’ practice and the law relating to taxation are complex and subject to individual circumstances and changes which cannot be foreseen.

The Financial Conduct Authority does not regulate tax planning.

The value of investments and any income from them can fall as well as rise and you may not get back the original amount invested.

The tax implications of pension withdrawals will be based on your individual circumstances. Thresholds, percentage rates, and tax legislation may change in subsequent Finance Acts. 

Workplace pensions are regulated by The Pensions Regulator.

Approved by The Openwork Partnership on 10/10/2025.

News

Stay in the loop

Keep up to date with industry insights and company developments by signing up to our free bi-monthly newsletter.

    The internet is not a secure medium and the privacy of your data cannot be guaranteed.
    News

    Guide: 7 key allowances you might want to use before the end of the 2025/26 tax year

    Read more
    News

    How to break your phone habit to reclaim your time

    Read more
    News

    7 simple ways to manage stress in a busy world

    Read more
    News

    The money lessons you can teach children at every stage to boost their financial literacy

    Read more
    News

    The power of pension tax relief and how it could boost your retirement income

    Read more
    News

    What you can learn from Michael Sheen about spending with purpose

    Read more
    News

    3 insights from the FTSE 100’s performance that could help you curb impulsive decisions

    Read more
    News

    7 motivational tips to help keep your 2026 goals on track

    Read more
    News

    The salary sacrifice pension cap essentials business owners need to know

    Read more
    News

    How fiscal drag could harm your finances as the government extends tax freezes

    Read more
    News

    How much should you contribute to your pension?

    Read more
    News

    7 ways financial planning could help you set realistic goals

    Read more
    Contact us

    We’re here to help

    Leave us a message and we’ll be right back in touch.

      The internet is not a secure medium and the privacy of your data cannot be guaranteed.

      Get in touch

      01252 979673 admin@johnsonwealthsolutions.com
      11 Kings Rd,
      Fleet,
      Hampshire,
      GU51 3AA
      Johnson Wealth Solutions
      Privacy Overview

      This website uses cookies so that we can provide you with the best user experience possible. Cookie information is stored in your browser and performs functions such as recognising you when you return to our website and helping our team to understand which sections of the website you find most interesting and useful.