UK State Pension Calculator
Estimate your UK new State Pension from your National Insurance record, including deferral.
About the UK State Pension Calculator
The full new State Pension is £241.30 a week in 2026/27 (£12,548 a year). You need 35 qualifying years of National Insurance contributions or credits for the full amount and at least 10 for any. With 10–34 years you get a proportion: years ÷ 35. It rises each April by the 'triple lock'.
Deferring increases it by 1% for every 9 weeks (about 5.8% a year). If you have National Insurance years before April 2016, your 'starting amount' may differ; your official forecast at gov.uk/check-state-pension is definitive. You can often fill gaps with voluntary contributions.
The formula
Weekly pension = £241.30 × qualifying years ÷ 35 (10–35 years)
Worked example
Example: Estimated weekly State Pension = £241.30
- Inputs: Qualifying National Insurance years so far: 22 years; Years you'll add before State Pension age: 13 years; Weeks you'll defer claiming: 0 weeks.
- Formula: Weekly pension = £241.30 × qualifying years ÷ 35 (10–35 years)
- Result: Estimated weekly State Pension = £241.30
Questions people ask
When can I claim?
At State Pension age, currently 66 and rising to 67 between 2026 and 2028.
Is it taxable?
Yes, it counts as income, though it's paid without tax deducted.
Sources
The rules and rates this calculator uses come from the official pages below. Its results are estimates, not an official determination, and rules change, so check the latest figures there before you act on them.