Holly Mckay
Holly MackayFounder and CEO
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    Home • Product Guides • Pensions • State Pension

    Your Complete Guide To The UK State Pension: Eligibility, How To Claim & More

    State Pension increases from April 2026 for those with sufficient National Insurance contributions.

    • Many Britons unknowingly miss out due to gaps in their National Insurance records

    Readers will learn:

    ✅ How to check their State Pension forecast

    🫙 Benefits of filling National Insurance gaps

    Takeaways:

    ⬇️Missing contributions substantially reduce lifetime pension income

    👔Special considerations for self-employed

    Understanding your personal National Insurance record is crucial. Those with career breaks, part-time work, or self-employment often have significant gaps.

    Our analysis shows incomplete contribution records result in considerably less income over retirement. The good news is these gaps can be filled.

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    Important stuffHolly and the team have worked in the finance industry for many years but we are not regulated to give you personal financial advice. For every story on this website about a good investment, or something which went up by 10% or made someone £200, we could also share a story about a bad investment, something which fell in value or lost someone £200. We aim to provide general information and pointers – and btw we are totally agnostic about which providers you might pick – but if you have complex affairs, want personalised advice or need specific recommendations, please look at advice pages and see if regulated digital or traditional financial advice would be the best solution for your needs. Boring Money Ltd is a limited company registered in England and Wales under registration number 09459832 and we have our registered office at 10 Lower Thames Street, London, England, EC3R 6AF.
    Risk warningAs is always the case with investing, your capital is at risk. The value of your portfolio can go down as well as up and you may get back less than you invest. Tax treatment depends on your individual circumstances and may change in the future.
    Boring Money Ltd is a limited company registered in England and Wales under registration number 09459832 and we have our registered office at 10 Lower Thames Street, London, England, EC3R 6AF.