Pension Increase Hits in June 2025: If you’re receiving the UK State Pension or expecting to claim it soon, there’s good news: the State Pension increase coming in June 2025 could mean more money in your pocket. As part of the government’s annual pension uplift under the “triple lock” policy, the full new State Pension will rise from £221.20 to £230.25 per week—an increase designed to help pensioners keep pace with rising living costs.
This article provides a detailed breakdown of who qualifies for the increase, how much you’ll receive, and what steps you should take now to make sure you’re getting your full entitlement. Whether you’re planning for retirement or already receiving benefits, it’s important to understand how this change affects your income.
Pension Increase Hits in June 2025
| Category | Details |
|---|---|
| Effective Date | April 6, 2025 |
| New State Pension | £230.25 per week (up from £221.20) |
| Basic State Pension | £176.45 per week (up from £169.50) |
| Annual Increase | 4.1% based on average earnings growth |
| Eligibility | Depends on age and National Insurance contributions |
| Official Site | Check Your Pension Forecast |
The State Pension increase in 2025 means higher income for millions of retirees. While the weekly rise may seem small, it’s a welcome change in the face of rising costs. More importantly, understanding your entitlements and taking steps to maximize your pension—through voluntary contributions, deferrals, and claiming Pension Credit—can lead to a more secure and comfortable retirement.
Be proactive: check your forecast, close any NI gaps, and apply for what you’re owed. Every pound counts when it comes to living well in retirement.
What Is the UK State Pension and How Does It Work?
The State Pension is a regular payment from the government that you can claim once you reach the State Pension age. For most people, this age is currently 66, though it’s scheduled to rise to 67 by 2028.
There are two types:
- New State Pension (for men born on or after 6 April 1951 and women born on or after 6 April 1953)
- Basic State Pension (for people who reached pension age before these dates)
The amount you receive depends on your National Insurance (NI) contributions. Typically, you need at least 10 qualifying years to receive anything and 35 years for the full new State Pension.
Why Is the State Pension Increasing?
The annual pension rise is governed by the triple lock system, which means pensions increase by the highest of:
- Average wage growth
- Inflation (measured by the Consumer Prices Index)
- 2.5% (a guaranteed minimum increase)
For the 2025/26 tax year, the government confirmed that the 4.1% increase is based on average wage growth, according to official figures. This ensures pensioners’ incomes don’t fall behind the rest of the population.
How Much More Will You Get?
Here’s how the 2025 increase affects payments:
| Pension Type | Previous Rate (2024/25) | New Rate (2025/26) | Weekly Increase |
|---|---|---|---|
| New State Pension | £221.20 | £230.25 | +£9.05 |
| Basic State Pension | £169.50 | £176.45 | +£6.95 |
This means:
- Full new State Pension recipients will receive £11,973 annually.
- Full basic State Pension recipients will receive £9,180 annually.
Even a small weekly increase can add up to hundreds of pounds per year—especially when combined with other entitlements.
Who Is Eligible for the State Pension Increase?
You’re eligible for the increased payment if:
- You’ve reached State Pension age by April 6, 2025
- You have at least 10 years of qualifying NI contributions
For the full new State Pension, you must have 35 qualifying years. If you’ve worked less or had career gaps (e.g., for childcare or illness), you may receive less. However, you can often buy extra NI credits to top up your record.
Check If You’re Getting the Pension Increase Hits in June 2025
Pension Increase Hits in June 2025 Guide
- Visit the official State Pension Forecast page
- Log in using your Government Gateway ID
- Review your:
- NI contribution history
- Estimated weekly pension amount
- Forecast date when you can start claiming
If your forecast is less than £230.25, you may want to explore voluntary contributions or other strategies to boost your income.
Can You Increase Your State Pension?
Yes. You can improve your retirement income by:
Making Voluntary NI Contributions
If you have gaps in your record, you can pay Class 3 NI contributions to fill them.
Deferring Your State Pension
Delaying your claim increases your pension by 1% for every 9 weeks you defer—equivalent to around 5.8% per year.
Don’t Miss Out on Pension Credit
Pension Credit is a separate benefit aimed at retirees on low incomes. Many eligible pensioners don’t claim it, missing out on over £3,000 annually.
There are two parts:
- Guarantee Credit: Tops your income to £227.10/week (single) or £346.60/week (couples)
- Savings Credit: Extra income if you’ve saved towards retirement
Additional Perks for Pensioners
Qualifying for the State Pension or Pension Credit can also give you access to:
- Free TV licence (if 75+ and receiving Pension Credit)
- Cold Weather Payments
- Warm Home Discount
- Council Tax Reductions
- Free NHS dental treatment
FAQs On Pension Increase Hits in June 2025
Q1: When will I receive the increased State Pension?
A: Starting from April 6, 2025. Payments are made every four weeks.
Q2: Can I receive the State Pension while still working?
A: Yes. Your State Pension is not affected by continued employment.
Q3: Is the State Pension taxable?
A: Yes, it is taxable income, but it’s paid without tax deducted. If your total income exceeds the personal allowance (£12,570 for most people), you’ll owe tax.
Q4: What if I moved abroad?
A: You may still receive the State Pension, but annual increases are not guaranteed unless you live in certain countries.
Q5: How do I contact DWP for help?
Call the State Pension claim line at 0800 731 7898, Monday to Friday.
