HM Revenue and Customs (HMRC) research shows that 12.5% of UK adults have not checked their state pension forecast, with those aged 45 to 54 being least likely to do so. The survey, conducted by Censuswide among over 5,200 people in February and March, highlights the importance of checking one’s pension status for future preparedness. Financial experts emphasize that reviewing forecasts early can help identify opportunities to improve retirement income before it is too late.
Written by the local model on 2026-09-14,
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Story summary
Around 12.5% of UK adults have not checked their state pension forecast, according to research conducted by HM Revenue and Customs (HMRC). The survey, carried out in February and March by Censuswide among more than 5,200 people, revealed that those aged 45 to 54 are especially unlikely to have reviewed their forecasts. HMRC’s chief customer officer, Myrtle Lloyd, emphasized the importance of checking pension forecasts on the HMRC app, which takes only a few minutes and can significantly impact one's retirement preparedness. The survey was released during Pension Awareness Week, from September 15 to 18. Maike Currie, vice president of personal finance at PensionBee, highlighted that reviewing state pension forecasts is crucial for understanding the foundation of retirement income and recommended using mid-life as a time to assess financial readiness before it’s too late.
Written for “Pension Forecast Awareness” on 2026-09-14,
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Around one in eight (12.5%) UK adults have not checked their state pension forecast, research for HM Revenue and Customs (HMRC) indicates.
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research → check → Revenue
A survey carried out for the revenue body indicated that 45 to 54-year-olds are particularly unlikely to have checked whether their state pension is on track.
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pension → carry → track
Myrtle Lloyd, HMRC’s chief customer officer, said: “Checking your forecast on the HMRC app takes just a few minutes but can make a real difference to how prepared you feel for the future.”
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you → say → future
HMRC commissioned Censuswide to survey more than 5,200 people across the UK in February and March.
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HMRC → commission → February
The research marked Pension Awareness Week, which runs from September 15 to 18.
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which → mark → 18
Maike Currie, vice president of personal finance at PensionBee, said: “Checking your state pension forecast is good financial housekeeping at any age and helps you understand the foundation of your retirement income.
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you → say → income
“Your 40s and 50s are an ideal time for a financial mid-life MOT, when retirement is coming into sharper focus but there’s still time to act.
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retirement → come → focus
“You generally need 35 qualifying years for the full new state pension, and gaps can usually only be filled for the previous six tax years, so delaying could mean missing the opportunity to top up.”
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delaying → need → opportunity
Charlotte Kennedy, chartered financial planner at Rathbones, said: “Many people view the state pension in isolation, but retirement income is built from several moving parts.
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income → say → parts
“The state pension provides an important foundation, but understanding how it works alongside your workplace pension, investments and savings is what turns retirement planning from guesswork into a plan.
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what → provide → plan
“A quick check of your state pension forecast can give you a clearer picture of your future income and flag opportunities to improve it.
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check → give → it
“The earlier you understand your position, the more options you typically have.”
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you → understand → options
