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  • FIRST POST
    • molerat
    • By molerat 18th Oct 16, 4:51 PM
    • 15,066Posts
    • 9,400Thanks
    molerat
    Access To On Line State Pension Forecast Made Easier
    • #1
    • 18th Oct 16, 4:51 PM
    Access To On Line State Pension Forecast Made Easier 18th Oct 16 at 4:51 PM
    Access to the SP forecasting on line has been eased now. Previously you needed a passport or photo driving licence but you can now get access using standard CRA questions based around bank accounts, credit cards and address history. So for those amongst us who have been refused before give it a go

    https://www.gov.uk/check-state-pension
    www.helpforheroes.org.uk/donations.html
Page 1
    • Silvertabby
    • By Silvertabby 18th Oct 16, 6:25 PM
    • 384 Posts
    • 412 Thanks
    Silvertabby
    • #2
    • 18th Oct 16, 6:25 PM
    • #2
    • 18th Oct 16, 6:25 PM
    Thanks - will give it a go. Lost my rag with the website just a few days ago because it asked for either passport details or information from ANY P60. Tried the P60 option, as my passport has just expired, but it didn't like the nil NI from my Armed Forces pension data.
    • PasturesNew
    • By PasturesNew 18th Oct 16, 6:32 PM
    • 56,019 Posts
    • 321,928 Thanks
    PasturesNew
    • #3
    • 18th Oct 16, 6:32 PM
    • #3
    • 18th Oct 16, 6:32 PM
    Cheers. Always wondered, never knew.

    I signed in using my Gateway account (that I use for tax returns) and it says on 30 July 2027 I'll get £676.80/month.

    Loaded - I can't wait!
    Last edited by PasturesNew; 19-10-2016 at 8:44 AM. Reason: Edited: I meant 2027, not 2017 unfortunately
    • Silvertabby
    • By Silvertabby 18th Oct 16, 7:08 PM
    • 384 Posts
    • 412 Thanks
    Silvertabby
    • #4
    • 18th Oct 16, 7:08 PM
    • #4
    • 18th Oct 16, 7:08 PM
    Just tried it and it wanted passport or P60, same as last time.

    I'll just wait for the paper estimate I requested last week - good job I've got more than 5 years to go before State pension age !
    • molerat
    • By molerat 18th Oct 16, 8:32 PM
    • 15,066 Posts
    • 9,400 Thanks
    molerat
    • #5
    • 18th Oct 16, 8:32 PM
    • #5
    • 18th Oct 16, 8:32 PM
    It may be using set scenarios then. MrsM does not get a P60 so maybe the system knows this so offers an alternative.
    www.helpforheroes.org.uk/donations.html
    • Dazed and confused
    • By Dazed and confused 18th Oct 16, 8:45 PM
    • 669 Posts
    • 255 Thanks
    Dazed and confused
    • #6
    • 18th Oct 16, 8:45 PM
    • #6
    • 18th Oct 16, 8:45 PM
    PasturesNew Cheers. Always wondered, never knew.

    I signed in using my Gateway account (that I use for tax returns) and it says on 30 July 2017 I'll get £676.80/month.

    Loaded - I can't wait!


    Even more loaded than you thought as you cannot get state pension monthly, you're either getting £676 every week or every 4 weeks
    • greenglide
    • By greenglide 18th Oct 16, 9:14 PM
    • 2,364 Posts
    • 1,459 Thanks
    greenglide
    • #7
    • 18th Oct 16, 9:14 PM
    • #7
    • 18th Oct 16, 9:14 PM
    Even more loaded than you thought as you cannot get state pension monthly, you're either getting £676 every week or every 4 weeks
    Does the HMRC site not multiply the weekly rate by 52 and divide that by 12 to give a monthly figure even though DWP never pay that way?

    Since I have now reached SPa I can no longer log into the site to check.
    • Silvertabby
    • By Silvertabby 18th Oct 16, 9:24 PM
    • 384 Posts
    • 412 Thanks
    Silvertabby
    • #8
    • 18th Oct 16, 9:24 PM
    • #8
    • 18th Oct 16, 9:24 PM
    Greenglide - there are 52.2 weeks in a year, not 52. Doesn't sound much, but it does make a difference!
    • Dazed and confused
    • By Dazed and confused 18th Oct 16, 9:42 PM
    • 669 Posts
    • 255 Thanks
    Dazed and confused
    • #9
    • 18th Oct 16, 9:42 PM
    • #9
    • 18th Oct 16, 9:42 PM
    I thought it was shown weekly, I remember the excitement of seeing the £155
    • greenglide
    • By greenglide 18th Oct 16, 11:12 PM
    • 2,364 Posts
    • 1,459 Thanks
    greenglide
    It shows both, I believe.

    The calculation they do may even be to divide by 7 and multiply by 365 (no leap years) and dividing that by 12. Without access to the site I couldn't say.
    • Froglet
    • By Froglet 19th Oct 16, 8:56 PM
    • 2,475 Posts
    • 2,986 Thanks
    Froglet
    Does the HMRC site not multiply the weekly rate by 52 and divide that by 12 to give a monthly figure even though DWP never pay that way?

    Since I have now reached SPa I can no longer log into the site to check.
    Originally posted by greenglide
    I finally got access to my records today after struggling,as neither hubby or myself have got a passport or photo driving licence.

    I went through all the details there,but have already had the paperwork to be able to buy several years of class c contributions to increase my pension.

    Then I accessed my husband's.He has already passed spa and is deferring it.Could not get a forecast for increased pension so far but could access everything else.Very useful in the weeks to come,I shall be able to check what my contributions will give me,and we can apply for hubby's pension when the time comes.I can also transfer my marriage allowance to him so he pays less tax.

    All in all,very impressed.
    • MoneySavingUser
    • By MoneySavingUser 19th Oct 16, 10:24 PM
    • 1,519 Posts
    • 602 Thanks
    MoneySavingUser
    Thanks - had seen mine but it wouldn't accept my father's passport number but works using the new info!
    • witzzzend
    • By witzzzend 21st Oct 16, 12:37 AM
    • 5 Posts
    • 3 Thanks
    witzzzend
    Couldn't get the Royal Mail verification site to respond, a shame after all the blood sweated in January to photograph passports whilst remembering to not stand completely still. Still my old Government Gateway ID used for tax returns etc now works perfectly. Whyever did we need the private sector in the first place.
    I was promised £122.79 pw in as little as 2 months if I don't hold my resolve to defer it. They reckon that is the equivalent of £533.92 pcm or £6407.01 pa.
    I'll leave the gifted amongst you to work out how they work it out whilst I ponder what to do with that extra penny.
    • witzzzend
    • By witzzzend 21st Oct 16, 12:49 AM
    • 5 Posts
    • 3 Thanks
    witzzzend
    Monthly Calculation
    Couldn't sleep, so my friendly calculator suggests that the system
    Takes the weekly pension
    Divides by 7
    Multiplies by 365.25 to give the amount per annum
    Divides by 12 for pcm

    So there are rounding errors, but it's close on my example
    • coastline
    • By coastline 22nd Oct 16, 11:57 AM
    • 875 Posts
    • 1,000 Thanks
    coastline
    Thanks for the link..
    As expected it shows the old rate due to my contracted out situation and only 33 years of NI payments. There's a possibility of reaching the new rate with more NI contributions.
    All the pre 2016 NI gaps are showing with various repayments between £626 and £722 a year.
    The important question is will making any pre 2016 NI payments add to my current state pension of £119..?
    Last edited by coastline; 22-10-2016 at 2:23 PM.
    • Silvertabby
    • By Silvertabby 22nd Oct 16, 12:19 PM
    • 384 Posts
    • 412 Thanks
    Silvertabby
    Thanks for the link..
    As expected it shows the old rate due to my contracted out situation and the possibility of reaching the new rate with more NI contributions.
    All the pre 2016 NI gaps are showing with various repayments between £626 and £722 a year.
    The important question is will making any pre 2016 NI payments add to my current state pension of £119..?
    Probably not - it sounds like you have always been contracted out. However, if you have to bit to go before State pension age, and are no longer working, then you should be able to make voluntary NI conts going forward.
    • colsten
    • By colsten 22nd Oct 16, 12:24 PM
    • 8,151 Posts
    • 6,645 Thanks
    colsten
    The important question is will making any pre 2016 NI payments add to my current state pension of £119..?
    Originally posted by coastline
    Have you seen this guide: http://www.royallondon.com/Global/documents/GoodWithYourMoney/TOPPING-UP-YOUR-STATE-PENSION-GUIDE.pdf
    • bigfreddiel
    • By bigfreddiel 22nd Oct 16, 7:38 PM
    • 4,071 Posts
    • 1,866 Thanks
    bigfreddiel
    Yes it's quite old now
    • Froglet
    • By Froglet 22nd Oct 16, 7:39 PM
    • 2,475 Posts
    • 2,986 Thanks
    Froglet
    That guide is one of the best I have read so far, and very easy to understand,though it does tend to repeat itself a lot !
    • Silvertabby
    • By Silvertabby 25th Oct 16, 4:07 PM
    • 384 Posts
    • 412 Thanks
    Silvertabby
    Finally got it! Even though the security questions were based on my RAF pension and the NI from my last employment......

    If the forecast is accurate, my State pension as at 2016 is £138.12 per week. This is considerably more than the £120 per week I was expecting, as I have always been contracted out. Assume the extra is due to the post 2002 SP2 top-up for low pay, as I worked part time from 2003 until I retired (at 60) earlier this year?

    Well happy with that!
    Last edited by Silvertabby; 25-10-2016 at 4:07 PM. Reason: add
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