See a quick estimate of your new State Pension from your qualifying NI years. It is an approximation — for your real figure, get the official forecast on gov.uk.
Enter details
years
Approximate estimate: the full new State Pension of £241.30/week needs 35 qualifying years (min 10). Your amount is scaled linearly. Check your real forecast on gov.uk.
=Weekly State Pension/ week
£241.30
Per week£241.30
Per month£1,045.63
Per year£12,548
Shortfall to full pension0
% of full pensionwith your NI years
£241.30
This is an approximate estimate, not a benefit decision. It does not account for contracting-out, gaps you can top up, or protected amounts. Get your personal figure from the official State Pension forecast on gov.uk.
The file is generated on your device; nothing is sent to a server. Tables are included.
Report an issue
Describe the problem — the page link, your inputs and the result are attached to the report automatically.
Last updated: 12 July 2026. This is an approximate estimate. The full new State Pension is £241.30/week (about £12,548/year) for 2026/27, up 4.8% from 6 April 2026 under the triple lock. You need 35 qualifying years of National Insurance for the full amount and at least 10 to get anything; in between it is scaled linearly. Check your personal State Pension forecast on gov.uk.
⚖︎ Results are for informational purposes and do not constitute tax advice. For specific situations, consult a licensed accountant or the relevant tax authority.
Advertisement728 × 90320 × 250desktop 728×90 sticky · mobile 320×250
iHow it is calculated
The new State Pension is based on your qualifying years of National Insurance, not your earnings. With 35 qualifying years you get the full £241.30/week. With fewer years the amount is scaled linearly: weekly pension = £241.30 × (your years ÷ 35). Below 10 qualifying years you usually get nothing. Years can come from working, or from NI credits (for example while claiming certain benefits or caring for a child or relative).
weekly = £241.30 × ( qualifying years ÷ 35 )
With 30 qualifying years: £241.30 × 30 ÷ 35 = £206.83/week, about £896/month or £10,755/year. That leaves a shortfall of £34.47/week versus the full pension — often fixable by filling gaps with voluntary Class 3 contributions. Your real amount can differ if you were ever contracted out.
Advertisement728 × 90320 × 250desktop 728×90 sticky · mobile 320×250
?Frequently asked questions
How much is the full new State Pension in 2026/27?
The full new State Pension is £241.30 per week — about £12,548 a year — for 2026/27, a 4.8% rise from 6 April 2026 under the triple lock.
How many qualifying years do I need for the full State Pension?
You need 35 qualifying years of National Insurance for the full new State Pension, and at least 10 to receive anything. Between 10 and 35 the amount is scaled in proportion to your years.
How is a partial State Pension calculated?
It is linear: weekly pension = £241.30 × (your qualifying years ÷ 35). For example, 20 years gives about £137.89 per week.
What counts as a qualifying year?
A tax year in which you paid or were credited with enough National Insurance — through employment, self-employment, or NI credits (for example while getting certain benefits, or caring for children or relatives).
Can I increase my State Pension?
Often yes. You can usually fill gaps in your record with voluntary Class 3 contributions, and deferring your State Pension increases the weekly amount. Check which gaps are worth paying before you buy them.
Why is this only an estimate?
It does not account for periods when you were contracted out of the additional State Pension, protected 'starting amounts' from before 2016, or gaps you could still fill. Your official forecast reflects your real record.
Is the State Pension taxable?
Yes, it counts as taxable income, though no National Insurance is due on it. Whether you actually pay tax depends on your total income against the personal allowance.
What if I have fewer than 10 qualifying years?
You generally get no new State Pension with under 10 qualifying years. You may be able to add years through voluntary contributions or NI credits to reach the minimum.
Where can I get my official forecast?
Use the free 'Check your State Pension forecast' service on gov.uk. It shows your qualifying years, your forecast amount, and any gaps you can fill. This calculator is only an approximation.
Advertisement728 × 90320 × 250desktop 728×90 sticky · mobile 320×250