State Pension calculator
The new State Pension depends on your National Insurance record. Enter your qualifying years to estimate what you would get each week, month and year.
How this is calculated
The full new State Pension needs 35 qualifying years. With fewer, you get a share: your years divided by 35.
You need at least 10 qualifying years to get anything.
This applies to people whose National Insurance record started after 6 April 2016. Records before that are converted into a starting amount, which can be higher or lower, so check your forecast on gov.uk.
Rates used · 2026/27
| Full new State Pension | £241.30 a week from April 2026 |
| Basic State Pension | £184.90 a week, for people who reached pension age before April 2016 |
| Years for the full amount | 35 |
| Minimum years | 10 |
Last checked July 2026. Source: HMRC and gov.uk.
Worked example
With 30 qualifying years you would get 30/35 of the full £241.30 a week, which is £206.83 a week or £10,755 a year. Each of the five missing years would add about £6.89 a week.
Common questions
How much is the full State Pension?
£241.30 a week from April 2026, about £12,548 a year.
How do I check my National Insurance record?
On gov.uk, through your personal tax account or the Check your State Pension forecast service. It shows your qualifying years and any gaps.
Can I fill gaps in my record?
Often, by paying voluntary National Insurance contributions. Check first whether a year would actually increase your pension.
When can I get it?
At State Pension age, which is 66 and rising to 67 between 2026 and 2028. You can check yours on gov.uk.