State pension is dictated by how much national insurance you have paid.
You now need 35 years of national insurance contributions to get the maximum state pension, which is currently £164.35 per week (2018/19).
The minimum you need to pay to claim is 10 years, but this will get you the minimum amount.
Should you be paying more national insurance?
State pension: How much will you get? Should you increase your national insurance payments?
You earn up to £161 a week before you begin to pay national insurance.
Then, national insurance will be 12 per cent of what you earn.
If you pay over £892 a week towards national insurance then you will only pay 2 per cent of the rest of your salary.
You can make voluntary national insurance payments, if you wish to contribute more.
Research by Nationwide Building Society showed there is an almost £400 gap between expectation and reality of what people think they need and what they will have to survive into retirement.
State pension: How much will you get? Should you increase your
