State Pension Calculator
Last updated: April 2026
Your Details
Check your NI record at GOV.UK.
Years of full NI contributions between now and state pension age. Adjust if you plan career breaks.
Are there gaps in your NI record?
State Pension Age
Your state pension age67
State pension dateJanuary 2052
Years until pension26 years
NI Record
Current NI years20
Expected future years15
Total projected35 years
Needed for full pension35 years
Gap0 years
35 / 35 years100.00%
Pension Estimate
Projected weekly pension£221.20
Projected annual pension£11,502.40
Full pension£221.20/week
You will receive100.00% of full pension
You are on track for the full state pension.
Years above 35 do not increase the new state pension further.
Triple Lock Projection
| Year | Your age | Weekly | Annual |
|---|---|---|---|
| 2052 | 67 | £221.20 | £11,502 |
| 2056 | 71 | £244.16 | £12,697 |
| 2061 | 76 | £276.25 | £14,365 |
| 2066 | 81 | £312.55 | £16,253 |
| 2071 | 86 | £353.62 | £18,388 |
Check your actual NI record
Your official forecast can account for contracted-out years and any protected payment, which this simple calculator cannot see.
View NI record on GOV.UK →How many NI years do I need?
You need at least 10 qualifying National Insurance years to receive any state pension, and 35 years for the full new state pension. You do not need 35 consecutive years. Gaps can often be filled with voluntary contributions. Each qualifying year adds approximately £6.32 per week to your weekly pension under the simplified new state pension calculation used here.
What counts as a qualifying NI year?
A qualifying year is a tax year in which you paid or were credited with enough National Insurance contributions. Employment at or above the lower earnings limit can generate qualifying years. You may also receive NI credits for unemployment, parental leave, claiming certain benefits, or caring for children or disabled people.
Can I fill gaps in my NI record?
Yes. You can often pay Class 3 voluntary National Insurance contributions to fill gaps. The rate used in this calculator is £824.20 per year. Because each extra year can add roughly £328 per year to your state pension, filling gaps can pay back within a few years after reaching state pension age.
When will I receive my state pension?
The state pension age is currently 66 for both men and women and is rising to 67 between 2026 and 2028. You do not receive the state pension automatically. You must claim it from the government when you reach state pension age, or you can choose to defer it for a higher weekly amount.
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