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UK State Pension Calculator

Estimate your UK State Pension based on NI contributions

Your National Insurance Record

Years of NI contributions or credits you already have

Years you expect to work before State Pension age

Used to calculate your State Pension age

Contracted Out History

Contracted out of the additional State Pension before 2016

Check Your Record: You can check your actual NI record and State Pension forecast at gov.uk/check-state-pension

Tax Year: 2025-26 | Full new State Pension: £221.20/week

State Pension Estimate

Enter your details and click Calculate

You need at least 10 qualifying years to receive a State Pension

Understanding the UK State Pension

Key Facts 2025-26

Full New State Pension£221.20/week
Annual Amount£11,502.40
Years for Full Pension35 years
Minimum Years Required10 years

State Pension Age

Current (born before 1960)66
From 2028 (born 1960-1977)67
From 2046 (born 1978+)68
Ways to Get Qualifying Years:
  • Working and paying National Insurance
  • Receiving NI credits (e.g., Child Benefit, Jobseekers Allowance)
  • Caring for someone and receiving Carers Credit
  • Paying voluntary National Insurance contributions (Class 3)

Disclaimer: This calculator is for informational purposes only and should not be considered financial, tax, or legal advice. Results are estimates based on the information provided and current tax laws. Consult a qualified professional for advice specific to your situation.

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