UK State Pension calculator

如何使用UK State Pension calculator

它计算什么，何时使用

Estimates your UK new State Pension from your qualifying National Insurance 年 和 shows your State Pension 年龄.

使用步骤

1. Enter your birth 年份.
2. Enter the qualifying 年数 you have 和 how many more you will add.
3. Optionally enter 年数 you might defer claiming.

各输入项的含义

• Qualifying 年 – which you paid 的 年数 或 were credited with National Insurance. You need 10件any pension 和 35件the full amount.
• Defer – 每年 Deferring increases the pension by about 5.8%.

如何阅读结果

• State Pension – 每年、每月、每周 estimates.
• State Pension 年龄 – An approximate 年龄. Confirm yours on GOV.UK.

公式

Pension = full new State Pension × qualifying 年数 ÷ 35、with a maximum 35 年、a minimum 10 years. The full rate 是 241.30 a week from April 2026.

计算示例

With 35 qualifying 年数 the full 利率 241.30 a week gives 12,548 a year, 或 1975 reaches State Pension age at 67. 的 1,045.63 a month. A person born

假设与局限

• New State Pension rules件people reaching State Pension age on 或 after 6 April 2016.
• Any protected payment 从 the old scheme 是 ignored.
• The 年龄 shown 是 an approximation; the Pensions Act timetable 是 phased by birth date.

常见错误

• Assuming you will receive the full amount with fewer than 35 年.
• your record, which you may be able 的 Not checking gaps 至 fill.

常见问题

Dated rules: UK tax year 2026 兑 2027（6 April 2026 兑 5 April 2027）、从 GOV.UK. Rates、thresholds 变化 每件 年份, so check GOV.UK before relying on a figure.

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