State Pension Forecast
Estimate your weekly, monthly, and annual New State Pension based on your National Insurance qualifying years, using the current 2025/26 rates.
Forecast Your State Pension
Enter your current National Insurance qualifying years and how many more you expect to build up before State Pension age to see an estimate of your weekly payment.
State Pension Estimator
Get a clear estimate of your future New State Pension income.
How it Works
Understanding your State Pension
Qualifying Years
We add your current qualifying years to the additional years you expect to accrue before you reach State Pension age.
35-Year Cap
Your total is capped at 35 years, since that’s what’s needed for the full New State Pension — extra years beyond that add nothing further.
Pro-Rata Calculation
Your estimated weekly pension is your qualifying years divided by 35, multiplied by the full weekly rate of £230.25.
10-Year Minimum
If your total comes to fewer than 10 qualifying years, you won’t currently be entitled to any State Pension at all.
Pension by Qualifying Years
A general overview of estimated weekly New State Pension amounts based on National Insurance qualifying years, using the 2025/26 full rate of £230.25 a week.
| Qualifying Years | Estimated Weekly Pension | Estimated Annual Pension |
|---|---|---|
| Under 10 years | £0.00 | Not entitled to State Pension |
| 10 years | £65.79 | £3,421 |
| 20 years | £131.57 | £6,842 |
| 25 years | £164.46 | £8,552 |
| 30 years | £197.36 | £10,263 |
| 35 years (full pension) | £230.25 | £11,973 |
State Pension FAQ
Answers to the most frequently asked questions about the UK State Pension.
The full New State Pension for the 2025/26 tax year is £230.25 a week, which works out at roughly £11,973 a year. This applies to people who reach State Pension age on or after 6 April 2016.
You generally need 35 qualifying years of National Insurance contributions or credits to receive the full New State Pension. You need a minimum of 10 qualifying years to receive any State Pension at all, and between 10 and 35 years your pension is calculated proportionally.
The State Pension age is currently 66 for both men and women. It is scheduled to rise to 67 between 2026 and 2028, and a further rise to 68 is being legislated for a later date, so it’s worth checking your own State Pension age on GOV.UK.
Yes, you can often pay voluntary Class 3 National Insurance contributions to fill gaps in your record and increase your future State Pension, and in some cases you may be entitled to free NI credits for periods such as unemployment, caring, or claiming certain benefits.