New State Pension Increase: The UK government has announced that the State Pension will rise to £230.25 per week starting 6 April 2025, up from £221.20 per week. This is the result of the government’s “triple lock” policy, ensuring pensions rise by the highest of inflation, average earnings growth, or 2.5%.
New State Pension Increase
| Topic | Details |
|---|---|
| New Weekly Payment | £230.25 starting April 2025 |
| Previous Weekly Payment | £221.20 |
| Increase Percentage | 4.1% |
| Eligibility | Born after 6 April 1951 (men) or 6 April 1953 (women) + 35 NI years |
| Deadline for NI Contributions | 5 April 2025 |
| Official Forecast Tool | Check Here |
The State Pension increase to £230.25 per week from April 2025 provides important financial support for retirees. Check your eligibility, review your National Insurance record, and act now to maximize your pension. For tailored advice, visit the official Pension Service.
Understanding the State Pension Increase for 2025
The 4.1% increase reflects strong wage growth in 2024. For retirees, the State Pension is an essential part of financial stability.
How to Qualify for the Full New State Pension
To receive the full £230.25 weekly payment, you must:
- Be a man born on or after 6 April 1951 or a woman born on or after 6 April 1953.
- Have at least 35 qualifying years of National Insurance contributions.
- Have a minimum of 10 qualifying years to receive any amount.
If you were “contracted out” of the Additional State Pension before 2016, you might need more than 35 years to get the full payment.
New State Pension Increase: How to Check Your State Pension Forecast?
- Visit the State Pension forecast tool.
- Review your National Insurance record.
- Consider making voluntary NI contributions to fill any gaps.
The deadline to fill National Insurance gaps dating back to 2006 is 5 April 2025.
Practical Tips to Boost Your State Pension
Deferring Your Claim
Delaying claiming your pension increases your payment by about 5.8% per full year.
Apply for Pension Credit
Those on low incomes can claim Pension Credit, which can top up weekly income and unlock extra benefits like help with council tax or a free TV license for over-75s.
Important Considerations
Tax Implications
The full State Pension will be £11,973 annually, just under the personal tax allowance of £12,570. Additional income may lead to income tax liability.
State Pension Age Changes
The State Pension age will rise from 66 to 67 between 6 May 2026 and 6 March 2028, affecting those born between 6 April 1960 and 5 April 1977.
FAQs on New State Pension Increase
What is the “triple lock”?
The “triple lock” ensures pensions rise yearly by the highest of inflation, average wage growth, or 2.5%.
Can I still receive the State Pension if I move abroad?
Yes, but payments may be frozen without annual increases depending on the country.
How do I check for missing National Insurance years?
Use your personal tax account online or contact HMRC.
What happens if I don’t have 35 years of contributions?
You will receive a pro-rata amount if you have at least 10 qualifying years.
Is Pension Credit available automatically?
No, you must apply separately. Find out more here.
