ℹ️ Disclaimer: This tool provides information only and does not constitute financial advice. For personalised advice, consult an FCA-authorised financial adviser. Official forecasts available at gov.uk/check-state-pension.
UK State Pension Rates 2026/27
The full new state pension increased by 4.8% under the triple lock to £241.30 per week from April 2026. You need exactly 35 qualifying National Insurance years for the full amount — each year adds £6.89/week to your pension.
NI Qualifying Years
Weekly Pension
Monthly Pension
Annual Pension
10 years (minimum)
£68.94
£298.72
£3,585
20 years
£137.89
£597.50
£7,170
25 years
£172.36
£746.88
£8,963
30 years
£206.83
£896.26
£10,755
35 years (full)
£241.30
£1,045.63
£12,548
Below 10 years
£0
£0
£0
How Much State Pension Will I Get at 66?
Your state pension amount doesn't depend on the age you claim it — it depends only on your qualifying National Insurance years: weekly amount = (NI years ÷ 35) × £241.30, up to the full £241.30/week at 35+ years. So "how much will I get at 66" and "how much will I get at 67" have the same answer for the same NI record — what changes by birth year is when you're allowed to start claiming, not the amount. Most people born after April 1960 actually have a state pension age of 66–67 or 67, not exactly 66 — check the table below or enter your date of birth in the calculator above to confirm your real state pension age before you plan around a specific number.
Quick answers for common NI year counts: with 20 years you'd get roughly £137.89/week (£7,170/year); with 30 years, £206.83/week (£10,755/year); with the full 35 years, £241.30/week (£12,548/year). Not sure how many qualifying years you have? Your real figure is on your official gov.uk forecast — this calculator estimates from whatever NI year count you enter above.
State Pension Age by Birth Year
The state pension age depends entirely on when you were born. It is currently 66 and rising to 67 (2026–2028) and 68 (proposed 2044–2046).
Date of Birth
State Pension Age
When You Can Claim
Before 6 April 1960
66
Already reached or soon
6 April 1960 – 5 April 1977
67
From 2026 onwards (phased)
From 6 April 1977
68*
Proposed — not yet confirmed in law
*The increase to 68 has been recommended but not yet enacted. Check gov.uk for the latest confirmed dates.
Calculator by Year of Birth
Find the specific state pension age and retirement date for your birth year:
More State Pension Calculators & Guides
Deeper tools for specific situations — NI gaps, deferral, self-employed, and more.
if birth_date < 6 Apr 1960 → SPA = 66
if birth_date ≥ 6 Apr 1960 and < 6 Apr 1977 → SPA = 67 (phased 2026–2028)
if birth_date ≥ 6 Apr 1977 → SPA = 68 (proposed, not yet law)
All inputs are public statutory rates. This calculator applies them deterministically — no rounding beyond pence. Verify your personal NI record at gov.uk/check-state-pension.
Frequently Asked Questions
The full new UK state pension for 2026/27 is £241.30 per week (£12,548 per year). You need 35 qualifying National Insurance years for the full amount. With fewer qualifying years (minimum 10), the amount is proportionally reduced: each NI year adds £6.89/week.
Your state pension is based on your National Insurance record: weekly amount = (qualifying NI years ÷ 35) × £241.30, capped at 35 years. With the full 35 qualifying years you get £241.30/week (£12,548/year). With 20 years, for example, you'd get roughly £137.89/week. Enter your own date of birth and NI years into the calculator above for your exact figure, including your state pension age and retirement date.
Use this formula: weekly pension = (qualifying NI years ÷ 35) × £241.30, capped at 35 years. Find your qualifying NI years on your gov.uk state pension forecast, then enter your date of birth and NI years into the calculator above for your exact weekly, monthly and annual figures plus your state pension age.
The UK old age (state) pension for 2026/27 pays up to £241.30/week for those with 35+ qualifying National Insurance years. With fewer years the amount is reduced proportionally: (NI years ÷ 35) × £241.30. Minimum 10 qualifying years needed to receive anything.
Your UK state pension depends on your National Insurance record: weekly amount = (qualifying NI years ÷ 35) × £241.30, up to a maximum £241.30/week (£12,548/year) with 35 qualifying years. Enter your NI years above for your exact figure.
If your state pension age is 66, you'll start receiving your weekly amount from the date you turn 66 (or the next scheduled payment date after). The amount itself doesn't depend on your age at claim — it depends on your qualifying National Insurance years: (NI years ÷ 35) × £241.30, up to the full £241.30/week at 35+ years. Use the calculator above with your date of birth to confirm whether 66 is actually your state pension age — many people born after April 1960 have an age of 66–67, not exactly 66.
Currently 66 for both men and women. It rises to 67 between 2026 and 2028 for those born between 6 April 1960 and 5 April 1977. A further rise to 68 has been proposed for those born from 6 April 1977 onwards, but this has not yet been confirmed in law. Use our state pension age calculator above to get your personal retirement date.
You need 35 qualifying National Insurance years for the full new state pension of £241.30/week. You need at least 10 qualifying years to receive anything at all. Each qualifying year is worth £6.89/week (£358.50/year). If you have gaps, you may be able to buy voluntary Class 3 contributions — typically paying off within 2–3 years of retirement.
Yes. Voluntary Class 3 NI contributions cost approximately £956.80 per missing year (2026/27 rate). Each year bought adds £358.50/year to your pension for life — the break-even point is around 2.7 years of retirement. This is often one of the most tax-efficient investments available to people approaching retirement. Check gov.uk to see which years you can fill.
The triple lock guarantees the state pension rises each April by the highest of: CPI inflation, average earnings growth, or 2.5%. This protects pensioners' purchasing power over time. The 2026/27 increase of 4.8% was based on earnings growth, raising the full pension from £230.25 to £241.30 per week.
For every 9 weeks you defer past your state pension age, your pension increases by 1% (approximately 5.8% per year). Deferring 1 year on the full pension of £241.30/week adds about £13.95/week for life. This can be beneficial if you are still working and do not need the income immediately. There is no maximum deferral period.
Visit gov.uk/check-state-pension and log in with your Government Gateway credentials. This gives your NI record year by year, your current forecast, and how much you could get if you continue working to state pension age. Our British state pension calculator provides an estimate — the gov.uk forecast is personalised and always the most accurate.
Yes. The state pension counts as taxable income, though HMRC does not deduct tax from it automatically. If your total income (state pension + other pensions + earnings) exceeds the personal allowance (£12,570 for 2026/27), you will pay income tax on the excess — usually collected via PAYE on a private pension or via a self-assessment return.
The state pension is separate from workplace or private pensions and can be received alongside them. However, it counts as income for tax purposes. If your total income (state pension + private pension) exceeds the personal allowance (£12,570 for 2026/27), you will pay income tax on the excess. Pension consolidation services like PensionBee can help you manage private pensions alongside your state pension planning.
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An independent calculator that applies published DWP/HMRC statutory rates deterministically — no manual price entry, no AI-generated estimate, and no connection to DWP or HMRC.
2026/27 DWP/HMRC rates
Deterministic calculation
Methodology & Sources
Figures are public statutory rates published by DWP and HMRC (see the "How This Calculator Works" section above for the exact constants and formulas used). For your personal, official forecast, use gov.uk/check-state-pension.
Not Financial Advice
This tool is not a financial adviser and is not FCA-regulated itself. It provides information only — before making retirement decisions, consult an FCA-authorised adviser (search the FCA Register) or use the free MoneyHelper guidance service.
Open Source
The calculation code and page generator are public. Inspect the formulas or suggest improvements on GitHub.