Kalkulator State Pension UK
Anggarkan State Pension baharu anda daripada tahun caruman National Insurance, beserta umur State Pension anda.
Tentang Kalkulator State Pension UK
Anggarkan State Pension baharu anda daripada tahun caruman National Insurance, beserta umur State Pension anda.
Sebahagian daripada bahagian “Persaraan” SmartCalcy. Ia berjalan dalam pelayar anda tanpa akaun, menggunakan mata wang dan unit anda sendiri (tukarkannya di bahagian atas halaman), dan memberikan anggaran untuk makluman sahaja, jadi semak panduan rasmi sebelum anda bergantung pada sesuatu hasil.
Cara menggunakan Kalkulator State Pension UK
Apa yang dikira dan bila menggunakannya
Menganggar State Pension baharu UK anda daripada tahun National Insurance yang layak dan menunjukkan umur State Pension anda.
Cara menggunakannya, langkah demi langkah
- Masukkan tahun lahir anda.
- Masukkan tahun layak yang anda ada dan berapa tahun lagi yang akan anda tambah.
- Secara pilihan, masukkan tahun anda mungkin menangguhkan tuntutan.
Maksud setiap input
- Qualifying tahun – Years in which you paid or were credited with National Insurance. You need 10 for any pension and 35 for the full amount.
- Defer – Deferring increases the pension by about 5.8% a year.
Cara membaca hasil
- Negeri Pension – Tahunan, Bulanan dan Mingguan estimates.
- Negeri Pension age – An approximate age. Confirm yours on GOV.UK.
Formula
Pension = full new State Pension × qualifying years ÷ 35, with a maximum of 35 years and a minimum of 10 years. The full rate is 241.30 a week from April 2026.
Contoh pengiraan
With 35 qualifying years the full rate of 241.30 a week gives 12,548 a year, or 1,045.63 a month. A person born in 1975 reaches State Pension age at 67.
Andaian dan had
- New State Pension rules for people reaching State Pension age on or after 6 April 2016.
- Any protected payment from the old scheme is ignored.
- The age shown is an approximation; the Pensions Act timetable is phased by birth date.
Kesilapan biasa
- Assuming you will receive the full amount with fewer than 35 years.
- Not checking gaps in your record, which you may be able to fill.
Soalan lazim
Bagaimanakah saya boleh menyemak rekod saya?
Gunakan perkhidmatan ramalan State Pension di GOV.UK.
Adakah State Pension meningkat setiap tahun?
Ya. Ia meningkat setiap April di bawah triple lock: yang tertinggi antara pertumbuhan pendapatan, inflasi atau 2.5%.
Dated rules: UK tax year 2026 to 2027 (6 April 2026 to 5 April 2027), from GOV.UK. Rates and thresholds change each year, so check GOV.UK before relying on a figure.
Alat berkaitan
Butiran
- Qualifying Tahun counted
- 35 35
- Penuh new Negeri Pension
- £241.30 a minggudaripada April 2026
- Your Negeri Pension age
- 67approximate; confirm on GOV.UK