UK State Pension Calculator
Estimate your weekly and annual State Pension income based on your National Insurance record and expected retirement age.
Estimate Your Retirement Income
Enter your current age and National Insurance contribution history to instantly see your projected State Pension entitlement.
Pension Estimator
Get a clear projection of your future State Pension income.
How It Works
Understanding your State Pension
Check Your NI Record
Your State Pension is built on your National Insurance contribution history. Each qualifying year adds to your total.
Meet the Minimum
You need at least 10 qualifying years to receive any new State Pension. Below this, the entitlement is £0.
Aim for the Full Amount
35 qualifying years are required to receive the full new State Pension. The amount scales proportionally between 10 and 35 years.
Factor in Contracting Out
If you were contracted out of the Additional State Pension before 2016, a “Contracting Out Deduction” (CODP) may slightly reduce your starting amount.
New State Pension Qualifying Years
How your National Insurance record translates to your weekly State Pension amount (based on the £221.20 full rate).
| Qualifying NI Years | Pension Entitlement | Estimated Weekly Amount |
|---|---|---|
| 0 – 9 years | No entitlement | £0.00 |
| 10 years (Minimum) | Proportional (28.5%) | ~£63.20 |
| 20 years | Proportional (57.1%) | ~£126.40 |
| 30 years | Proportional (85.7%) | ~£189.60 |
| 35+ years (Full) | Full new State Pension | £221.20 |
State Pension FAQ
Answers to the most frequently asked questions about the UK State Pension, National Insurance, and retirement planning.
You need 35 qualifying years of National Insurance contributions or credits to receive the full new State Pension. You need at least 10 qualifying years to receive any new State Pension at all.
For the 2024/2025 tax year, the full new State Pension is £221.20 per week. This amount is typically reviewed and increased each April in line with the government’s Triple Lock guarantee (the highest of earnings growth, inflation, or 2.5%).
The current State Pension age is 66 for both men and women. It is scheduled to rise to 67 between 2026 and 2028, and is under periodic review to potentially rise to 68 between 2044 and 2046, depending on life expectancy data.
Yes. The most accurate way to check your State Pension is to use the official “Check your State Pension” service on GOV.UK. This tool uses your actual National Insurance record held by HMRC to provide a personalised forecast, which is more accurate than any online calculator.