{"id":23849,"date":"2025-09-12T14:34:41","date_gmt":"2025-09-12T14:34:41","guid":{"rendered":"https:\/\/www.rbcwealthmanagement.com\/en-uk\/insights\/how-to-use-the-state-pension-in-retirement\/"},"modified":"2026-05-26T18:19:56","modified_gmt":"2026-05-26T18:19:56","slug":"how-to-use-the-state-pension-in-retirement","status":"publish","type":"post","link":"https:\/\/www.rbcwealthmanagement.com\/en-uk\/insights\/how-to-use-the-state-pension-in-retirement","title":{"rendered":"How to use the state pension in retirement"},"content":{"rendered":"\n

The state pension alone is unlikely to be sufficient to fund what most people would deem a comfortable retirement<\/a>, but it could make up a meaningful portion of your overall retirement income. It\u2019s therefore worth taking the time to understand how the state pension works, and how it could complement income from your other pensions and investments.<\/p>\n\n\n\n

Arming yourself with the right knowledge could even help you manage your tax liability<\/a>, meaning you have more money to put towards enjoying your retirement<\/a> or pass on to future generations.<\/p>\n\n\n\n

\n
\"Top<\/a><\/div>

A guide to saving for retirement<\/h3>
<\/div>\n

Jam-packed with essential information on how to save for a more comfortable life after work.<\/p>\n\n\n\n

Download guide<\/a><\/p>\n<\/div><\/div><\/div><\/div><\/div>\n<\/div><\/div><\/div><\/section>\n\n\n\n

State pension \u2013 what you need to know<\/h2>\n\n\n\n

The full new state pension is worth \u00a3230.25 a week (2025\/26 tax year), which works out at just under \u00a312,000 a year. The state pension age is currently 66, but will rise gradually for those born on or after 6 April 1960, eventually increasing to 68 for those born on or after 6 April 1978.<\/p>\n\n\n\n

You need 35 years of national insurance (NI) contributions or credits to receive the full state pension. It might be possible to fill gaps in your NI record by paying voluntary contributions, which could increase your state pension entitlement.<\/p>\n\n\n\n

If you\u2019re still working and paying tax when you reach state pension age, it might be worth deferring your state pension, especially if you don\u2019t need the money. The state pension will increase by 1% for every nine weeks you defer. This works out as just under 5.8% every year.<\/p>\n\n\n\n

Will the state pension be enough?<\/h2>\n\n\n\n

According to the Pensions and Lifetime Savings Association1<\/sup>, a comfortable retirement for a single person costs \u00a343,900 a year after tax, which is approximately \u00a331,900 more than the current state pension. That might seem like a big shortfall, but it does mean that over a quarter of your retirement income could come from the state pension. That\u2019s not to be scoffed at.<\/p>\n\n\n\n

For some, an annual income of \u00a343,900 will be plenty, but for others, it won\u2019t cover all their expenses. By running through your expenditure and lifestyle goals, we can help you understand what \u2018comfortable\u2019 means for you and give you a clear picture of how much you really need in retirement.<\/p>\n\n\n\n

How can I use the state pension as part of my retirement planning?<\/h2>\n\n\n\n

If you want to retire before state pension age<\/a>, you\u2019ll probably need to rely on other income sources to meet your needs. This might mean taking higher withdrawals from personal pensions to cover that period, and then reducing your withdrawals when the state pension becomes payable.    <\/p>\n\n\n\n

When the state pension kicks in, it might help to view it as a source of funds for your essential expenditure. This is because the state pension is a guaranteed income for life. You could then view your personal pensions and savings pots as a source of funds for discretionary spending, such as holidays and meals out. Doing so could help you budget better, particularly when it comes to life\u2019s little luxuries.<\/p>\n\n\n\n

Can I make my retirement income more tax efficient?<\/h2>\n\n\n\n

Understanding how different savings and investment pots are taxed could help you generate a more tax-efficient income in retirement.<\/p>\n\n\n\n

When you access a defined contribution pension, the first 25% (which is capped at \u00a3268,275 for most people) is usually tax-free and the rest is taxed at your marginal rate of income tax. You also have a tax-free personal allowance, which is the amount of income you can earn each year before paying tax. For the current tax year, the personal allowance is \u00a312,570.<\/p>\n\n\n\n

The state pension counts towards your personal allowance and uses most of it up. Once you\u2019ve started receiving your state pension, you\u2019ll therefore be taxed on the lion\u2019s share of personal pension withdrawals. An alternative option is to focus on drawing income from Individual Savings Accounts (ISAs) instead of personal pensions. Although ISAs<\/a> don\u2019t provide tax relief on contributions like pensions do, any withdrawals from them are completely tax free2<\/sup>.<\/p>\n\n\n\n

It\u2019s a bit different if you retire earlier than the state pension age. If, for example, you retire at age 60 and draw all your income from ISAs and nothing from pensions, your personal allowance would effectively be wasted. Over time, this could result in a bigger-than-expected tax bill, as this article demonstrates<\/a>.<\/p>\n\n\n\n

Next steps<\/h2>\n\n\n\n

Knowing how to structure your income in retirement isn\u2019t straightforward. The solution that\u2019s right for you will depend on a range of factors, including when you retire, and how much you\u2019ve built up in different savings and investment pots. We can advise on how to draw income in a tax-efficient and sustainable way, so that you feel more confident that your retirement savings will go the distance<\/a>. We can also help you keep up to date with changes to the state pension and explain how those changes may affect you and your plans.<\/p>\n\n\n\n

Find out more from our dedicated support team based by calling us on 020 7246 1111. Opening hours are Monday to Friday 9am to 5pm.<\/p>\n\n\n\n

\n\n\n\n

1 <\/sup>https:\/\/www.retirementlivingstandards.org.uk\/<\/a>
2 <\/sup>Some types of ISA apply a tax charge if money is withdrawn and used for non-approved purposes.<\/p>\n\n\n\n

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Sign up to our newsletter for expert insights on investing for the future, saving for retirement, passing on assets to the next generation, and much more.<\/p>\n\n\n\n

Subscribe<\/a><\/p>\n<\/div><\/div><\/div><\/div><\/div><\/div><\/div>\n<\/div><\/div><\/div><\/section>\n\n\n\n

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The value of investments, and any income from them, can fall and you may get back less than you invested. This does not constitute tax or legal advice. Tax treatment depends on the individual circumstances of each client and may be subject to change in the future. You should always check the tax implications with an accountant or tax specialist. Information is provided only as an example and is not a recommendation to pursue a particular strategy. Information contained in this document is believed to be reliable and accurate, but without further investigation cannot be warranted as to accuracy or completeness.<\/strong><\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"

Discover how the state pension works and how it could complement income from other pensions and investments in retirement.<\/p>\n","protected":false},"author":97,"featured_media":23851,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"rbcwm_post_date":"","editor_notices":[],"rbc_url_alias":"","rbcbd_featured_desktop_image_position":"","rbcbd_featured_mobile_image_position":"","footnotes":"","jetpack_post_was_ever_published":false},"categories":[324],"tags":[],"rbcwm_content_owner":[],"rbcwm_need":[770],"rbcwm_segment":[792,772],"rbcwm_solution":[758],"rbcwm_topic":[108],"rbcwm_channel":[99,781],"rbcwm_format":[779],"class_list":["post-23849","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-retirement","rbcwm_need-live-well","rbcwm_segment-corporate-executives","rbcwm_segment-individuals","rbcwm_solution-wealth-planning","rbcwm_topic-pensions-and-retirement","rbcwm_channel-private-clients","rbcwm_channel-uk-individual","rbcwm_format-article"],"acf":{"rbc_ct_service":"","rbc_ct_theme":false,"rbc_ct_topic":false,"rbcwm_subtitle":"Discover 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