01 / Your pension

Estimate Your UK State Pension

Use your National Insurance years to build an illustrative 2026/27 new State Pension estimate.

Your National Insurance record
When did your NI record start?

Pre-2016 records can be affected by transitional rules, contracting-out and Additional State Pension.

25 years
years

Check your National Insurance record if you are unsure how many qualifying years you have.

years
years
Optional refinements
Leave blank if unknown
£

If your GOV.UK forecast shows an amount based on your record to date, enter it here. This is particularly useful for pre-2016 records.

0 weeks
weeks

New State Pension payments increase by 1% for every 9 weeks deferred, provided you defer for at least 9 weeks.

How gap-year costs are estimated2026/27

The voluntary contribution figure uses the 2026/27 Class 3 rate of £18.40 a week only as an illustration. The amount needed to fill an older year can differ, and paying voluntary NI does not always increase State Pension.

Uses 2026/27 rates

02 / Your breakdown

See Your Pension in Everyday Amounts

State Pension is usually paid every four weeks. Monthly and annual figures are equivalents for comparison.

Weekly£206.83weekly estimate
Every 4 weeks£827.31usual payment cycle
Monthly equivalent£896.2552 weeks ÷ 12
Annual equivalent£10,75552 weeks

03 / How it works

Built Around the 2026/27 Rules

Full new State Pension£241.30/week
Normal minimum qualifying period10 years
Full-rate benchmark for post-2016 NI records35 years
Illustrative value per qualifying year£6.89/week
2026/27 Class 3 voluntary NI rate£18.40/week
Approx. current-rate cost for selected gap years£0

The 1/35 calculation is not a reliable substitute for the official forecast where you have National Insurance history before 6 April 2016. Contracted-out periods, Additional State Pension, protected payments, overseas contributions and other special rules can change the result.

Check official State Pension forecast →New State Pension rules →Check your NI record →

04 / Common questions

UK State Pension Calculator FAQs

Important points to understand before relying on an estimate.

How much is the full new State Pension in 2026/27?

The full new State Pension is £241.30 a week for 2026/27. Your personal amount can be lower or, in some cases involving protected payments, higher.

Do I need 35 qualifying years for the full State Pension?

If your National Insurance record started after 5 April 2016, 35 qualifying years are needed for the full new State Pension. Earlier records are subject to transitional rules.

Can I get State Pension with fewer than 10 years?

You normally need at least 10 qualifying years to get any new State Pension, although special rules can apply in some circumstances.

Will voluntary National Insurance always increase my pension?

No. Filling a gap does not always increase State Pension. Check your NI record and official State Pension forecast before paying voluntary contributions.

How often is State Pension paid?

The new State Pension is usually paid every four weeks. The monthly amount shown here is only a monthly equivalent.

Is UK State Pension taxable?

Yes. State Pension counts as taxable income, although tax is not deducted from the State Pension before it is paid.