Do you know how much State Pension you will receive?

Here's a simple, interactive UK New State Pension calculator based on qualifying years of National Insurance (NI) contributions or credits.

This applies to people reaching State Pension age on or after 6 April 2016 (the "new State Pension"). The rules differ for those who reached pension age earlier (old basic + additional pension system).

Key Rules (as of 2026/27 tax year)

• Full new State Pension: £241.30 per week (approximately £12,547.60 per year).
• You need 35 qualifying years for the full amount.
• You need at least 10 qualifying years to receive any new State Pension.
• With 10–34 qualifying years, you get a pro-rated amount: (qualifying years ÷ 35) × full weekly rate.
• Fewer than 10 years: usually £0 from the new State Pension.
• Qualifying years include paid NI contributions (when working and earning above the threshold), NI credits (e.g., for unemployment, sickness, caring for children/carers, jury service), and voluntary contributions in some cases.
• The amount shown is in today's terms (2026/27 rates). Actual payments will be uprated annually (usually via the triple lock).
• This is a simplified estimate. Your actual entitlement may vary due to:
  • Pre-2016 NI record and any "starting amount" or protected payments.
  • Contracting out (SERPS/S2P) history, which can reduce the amount below the pro-rata figure.
  • Gaps filled by credits or voluntary payments.
  • Deferral (delaying claiming increases it by about 5.8% per full year deferred).

For a personalised forecast, always use the official GOV.UK tool: Check your State Pension forecast.