PensionCalc
Updated for the 2026/27 tax year
State Pension calculator
Find out when you can claim and how much you could receive — in large, clear figures.
- Free to use — nothing to sign up for
- Your details stay in your browser
- Based on current GOV.UK rules and rates
Your result will appear here
Enter your date of birth to calculate your State Pension age and estimated payment.
How to use this State Pension age calculator
Four simple steps. The result combines your date of birth with the current UK State Pension age timetable, then estimates how much State Pension you may get at today’s full rate.
Enter your date of birth
We use it only in your browser to work out the date you reach State Pension age under the legislated timetable.
Add qualifying years
Check your National Insurance record on GOV.UK, then move the slider to the number shown, or the number you expect to have by claim date.
Review the estimate
See weekly, monthly and annual figures at the current 2026/27 new State Pension rate, plus your estimated claim date.
Confirm with GOV.UK
Use the official forecast before making a financial decision or paying voluntary National Insurance contributions.
How much State Pension will I get?
If you are asking “how much State Pension will I get?”, start with the full new State Pension rate. In 2026/27 that figure is £241.30 a week. That is about £1,045.63 a month on average, or £12,547.60 over 52 weeks.
You do not automatically get the full amount. How much State Pension you get depends mainly on your National Insurance qualifying years. If your National Insurance record started after April 2016, 35 qualifying years normally gives the full rate. Fewer than 10 qualifying years normally means you get no new State Pension at all.
The simplified planning formula used by this calculator is:
The estimate is capped at the full weekly rate. It does not add protected payments, deferral increases or inherited entitlement. Those extras can only appear on your personal DWP forecast.
Why your real figure may differ: DWP uses a starting amount for records before 6 April 2016. Contracting out and Additional State Pension can change that amount, so two people with the same number of years can still receive different pensions.
Check your official State Pension forecast on GOV.UK, or read our fuller guide to how much State Pension is in 2026/27.
Worked examples: how much could you get each week?
These examples use the 2026/27 full rate of £241.30 and assume a clean post-2016 National Insurance record. They answer the everyday question people type into search: “how much State Pension will I get with my years?”
- 10 qualifying years: about £68.94 a week — the usual minimum for any new State Pension.
- 20 qualifying years: about £137.89 a week.
- 25 qualifying years: about £172.36 a week.
- 30 qualifying years: about £206.83 a week.
- 35 qualifying years: £241.30 a week — the full new State Pension.
Each qualifying year is worth roughly £6.89 a week at the current rate, once you clear the 10-year threshold. Years do not need to be consecutive. They can come from paid contributions at work, self-employment, National Insurance credits, or voluntary contributions.
If you still have gaps, filling them may increase what you get — but only if the extra years raise your forecast. Always check the GOV.UK service before buying Class 3 contributions.
The official rules behind this UK State Pension calculator
Under the new State Pension, your payment is based mainly on your National Insurance record. Qualifying years may come from paid contributions, National Insurance credits, self-employment or voluntary contributions. They do not need to be consecutive, and a short career break does not wipe out earlier years.
People with pre-2016 records receive a starting amount based on the higher result under the old and new systems, after contracting-out adjustments. Each qualifying year after 5 April 2016 can then increase that starting amount until you reach the full rate or State Pension age.
That starting-amount step is why a simple years × rate formula is only a planning estimate. If you were contracted out of the Additional State Pension before 2016, you may need more than 35 total years to reach the full new State Pension. Tick the contracting-out box in the calculator so the result reminds you to check the official forecast carefully.
When can I claim State Pension?
State Pension age is 66 for many people, rises to 67 between 2026 and 2028, and is currently legislated to rise to 68 between 2044 and 2046. The later timetable can be reviewed by government. State Pension age is not the same as “retirement age”: you can stop work earlier or later, and workplace pensions have their own access rules.
State Pension is not paid automatically. When you reach State Pension age you normally need to claim it. You can also defer a claim. Under current new State Pension rules, deferring can increase the amount by 1% for every nine weeks you delay, if the conditions are met.
Rates usually rise each year under the triple lock — the highest of average earnings growth, CPI inflation or 2.5%. So the cash figure you see today is a 2026/27 planning rate, not a guaranteed amount for the year you actually retire.
Sources: Your new State Pension explained, the official State Pension age timetable, and the new State Pension overview.
What this calculator includes — and what it does not
This free State Pension calculator is built for clear planning answers: when you may reach State Pension age, and how much State Pension you might get at the current full rate based on the qualifying years you enter.
It is independent guidance, not regulated financial advice, and it is not affiliated with GOV.UK or the Department for Work and Pensions. Your date of birth and National Insurance years stay in your browser. We do not ask for a National Insurance number and we do not store calculator inputs on a server.
The estimate does not model protected payments, inherited State Pension, overseas social-security agreements, or the exact effect of every historic contracting-out arrangement. Those details sit in your official record. For a personal figure, use the DWP forecast and, if needed, our guides to State Pension age and the new State Pension amount.
State Pension calculator FAQs
Straight answers to the questions people ask when they want to know how much State Pension they will get.
How much State Pension will I get if I have 35 qualifying years?
At the 2026/27 rate, 35 qualifying years normally means the full new State Pension of £241.30 a week, provided you also meet the rules for your type of National Insurance record. That is about £1,045.63 a month on average, or £12,547.60 a year. If you were contracted out before 2016, your starting amount may be lower, so check your GOV.UK forecast even when you already have 35 years.
How much State Pension will I get with fewer than 35 years?
For a simple post-2016 record, divide the full weekly rate by 35 and multiply by your qualifying years. With 20 years you would get about £137.89 a week; with 30 years about £206.83. You usually need at least 10 qualifying years to receive any new State Pension. Move the slider above to see the weekly, monthly and annual estimate for your own years.
Is the State Pension amount the same every year?
No. The full rate is set for each tax year. In 2026/27 it is £241.30 a week. The new State Pension is normally increased under the triple lock, so the cash amount you receive in a future year can be higher than today’s figure. Use this calculator for a current-rate planning estimate, then review the official forecast as rates change.
Does date of birth change how much State Pension I get?
Date of birth mainly decides when you can claim, not the weekly rate itself. The rate depends on your National Insurance record. Your date of birth still matters because it sets State Pension age — currently 66 for many people, rising to 67 and later 68 under the legislated timetable — and because older records before April 2016 are converted into a starting amount.
Will I get more if I delay claiming State Pension?
Possibly. If you defer a new State Pension claim, the amount can increase by 1% for every nine weeks you wait, when the current rules apply. Deferral is not right for everyone. Compare the higher weekly payment against the money you would miss while waiting, and confirm the latest rules on GOV.UK before you decide.
How do I find out the exact amount I will get?
Use this calculator for a quick planning figure, then get your personal answer from Check your State Pension forecast on GOV.UK. That service uses your real National Insurance history, including starting amounts and contracting-out adjustments that a simple online estimate cannot fully recreate.