State Pension Calculator
Estimate how much new State Pension you could get from your National Insurance record, how close you are to the full amount, and when you can claim it.
What we noticed
Year by year
How this calculator works
The new State Pension is built from "qualifying years" on your National Insurance record. You need at least 10 qualifying years to get any State Pension, and 35 to get the full amount. Each qualifying year between 10 and 35 adds one thirty-fifth of the full amount.
We take the qualifying years you have so far, add the years you could still earn before your State Pension age if you keep working and paying National Insurance, and show what that is worth each week and each year at today's rates.
This is an estimate. If you were contracted out of the additional State Pension, or your record started before April 2016, your own forecast can differ. The official forecast on GOV.UK is the one to rely on.
New State Pension, 2026/27
| Full new State Pension | £241.30 a week |
|---|---|
| In a year | £12,548 |
| Last year (2025/26) | £230.25 a week |
| Rise in April 2026 | 4.8% |
| Qualifying years for the full amount | 35 |
| Qualifying years for any amount | 10 |
| Worth of each qualifying year | About £6.89 a week |
Frequently asked questions
How much is the full new State Pension?
For 2026/27 the full new State Pension is £241.30 a week. That is about £12,548 a year. It rose by 4.8% in April 2026 from £230.25.
How many qualifying years do I need?
You need at least 10 qualifying years to get any new State Pension, and 35 for the full amount. If you have between 10 and 35, you get a proportion of the full amount.
What counts as a qualifying year?
A year in which you worked and paid enough National Insurance, or received credits, for example while claiming certain benefits or looking after children. Your National Insurance record on GOV.UK shows which of your years count.
Can I fill gaps in my record?
Often yes, by paying voluntary National Insurance contributions for past years. Check the cost and the deadline on GOV.UK before you pay, because it is not always worth it.
Is this the same as my State Pension forecast?
No. This is a simple estimate. Your official forecast on GOV.UK takes your actual record into account, including contracting out. Use that for decisions.