UK State Pension calculator
Estimate your new State Pension from your National Insurance years, with your State Pension age.
About the uk state pension calculator
Estimate your new State Pension from your National Insurance years, with your State Pension age.
Part of SmartCalcy’s retirement tools. It runs in your browser with no account, uses your own currency and units (change them at the top of the page), and gives estimates for information only, so check official guidance before you rely on a result.
How to use the uk state pension calculator
What it calculates and when to use it
Estimates your UK new State Pension from your qualifying National Insurance years and shows your State Pension age.
How to use it, step by step
- Enter your birth year.
- Enter the qualifying years you have and how many more you will add.
- Optionally enter years you might defer claiming.
What each input means
- Qualifying years – 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.
How to read the results
- State Pension – Yearly, monthly and weekly estimates.
- State Pension age – An approximate age. Confirm yours on GOV.UK.
The 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.
A worked example
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.
Assumptions and limits
- 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.
Common mistakes
- 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.
Frequently asked questions
How can I check my record?
Use the State Pension forecast service on GOV.UK.
Does the State Pension rise each year?
Yes. It rises each April under the triple lock: the highest of earnings growth, inflation or 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.
Related tools
Details
- Qualifying years counted
- 35 of 35
- Full new State Pension
- £241.30 a weekfrom April 2026
- Your State Pension age
- 67approximate; confirm on GOV.UK