However, you can roughly figure out how much you’ll need and how much you’re on track to get using MoneyHelper’s Pension Calculator. If you’re over 50 with a Defined Contribution pension, you can undertake a free one-hour Pension Wise appointment to explore the options open to you when taking money from your pension. You can also use Pension Wise Digital to receive the same level of guidance digitally and in your own time. You must be over State Pension age to benefit from Pension Credit, and doing so can also help with housing costs, your TV licence, and energy bills. Check your State Pension Forecast and top up your National Insurance at gov.uk.