State Pension Calculator 2026/27
Estimate your UK state pension based on your National Insurance record and find out when you can claim it.
Your details
Get this calculation by email
We'll send a PDF summary of your results straight to your inbox.
By submitting you agree to our privacy policy. No spam — unsubscribe any time.
Results are estimates only and do not constitute financial advice.
State pension by NI record
Based on the full new state pension of £221.20/week in 2026/27. Click any row to load it into the calculator.
| NI years | Weekly pension | Annual pension | % of full pension |
|---|
How it's calculated
The new state pension is based on your National Insurance (NI) qualifying years. You need 35 qualifying years to receive the full amount of £221.20 per week in 2026/27. Each qualifying year adds approximately £6.32/week to your pension.
If you have between 10 and 35 qualifying years, you receive a proportional amount: Weekly pension = (NI years ÷ 35) × £221.20. With fewer than 10 qualifying years, you receive nothing.
Your state pension age depends on when you were born. Those born before 1960 reach state pension age at 66. The age rises to 67 for those born between 1960 and 1977, and is expected to rise to 68 for those born after 1977.
Frequently asked questions
You need 35 qualifying NI years to receive the full new state pension. You need at least 10 years to receive anything at all. Each qualifying year is worth approximately £6.32 per week (2026/27).
Yes — you can pay voluntary Class 3 NI contributions to fill gaps in your record. The cost is £824.20 per year in 2026/27. Given the value of each additional year of state pension, this is usually a very cost-effective investment.
The triple lock guarantees the state pension rises each April by the highest of: inflation (CPI), average earnings growth, or 2.5%. It has increased the state pension significantly in recent years and provides important protection against inflation in retirement.
This is an estimate only. Your actual state pension depends on your complete National Insurance record. Check your forecast at gov.uk/check-state-pension for an accurate figure.