How Much Will the State Pension Increase in 2025?

The state pension increase for 2025 is 4.1%.

What date does the state pension increase?

The state pension will increase on April 6th, 20245 It will increase by 4.1%. This means if your state pension starts in the 2025/2026 tax year, you'll get £230.25 a week if you're entitled to the maximum state pension.

In September 2024, the pension increase for 2025 was decided. It was based on the triple lock rule - the highest figure of:

• The consumer price index measure of inflation – taken in September of the previous year

• Average earnings between May and July of the previous year

• 2.5%

The highest of the three figures was the average growth in earnings.

If you’re receiving payments from a private pension with a fixed income per year, you may also get increases in 2025. These are usually linked to inflation but capped at a certain percentage. Common increases are between 2.5% and 5%. These are known as defined benefit pension payments.

Check your national insurance payment record.

If you’re already claiming your state pension and don’t have 35 years of national insurance contributions, you won’t be entitled to the maximum state pension.

But you may be able to top up missing previous years which could increase your pension.

You have until 5th April 2025 to top up as far back as 2006. From 6th April 2025 , you’ll only be able to claim as far back as 2017/18 tax year.

You can top up your national insurance contributions until the age of 70.

So if you’ve started claiming your state pension, you need to contact the Pension Service on 0800 731 0469 to see if you could get a state pension increase.

About to retire? Make sure you check your State Pension Forecast online. It may offer some options to help you increase your pension if you’re below the maximum amount.

Deferring your state pension can give you greater increases.

If you started taking your pension after April 6th 2016, then you can increase your pension by 1% for every 9 weeks your postpone (defer) taking it. That works out at 5.8% a year. And that increase is guaranteed for the rest of your life.

So, if you’re entitled to £11,973 in 2025, then deferring this for a year would increase it to over £12,667 in 2026, plus any normal increases under the triple lock rule.

But there are some things to consider by postponing a year of state pension payments.