NewvsBasic
New scheme vs basic
Who is on the new State Pension, and how the older basic rate differs.
Compare nowUpdated for 2026
UK State Pension Calculator
See your State Pension age and a weekly estimate from your date of birth and qualifying years. No login. Independent of GOV.UK and the DWP.
Results
Estimated weekly amount
£172.36
15 June 2037 · 2026/27 rates
Share of full rate
71.4%
Every four weeks
£689.44
A calendar month
£746.89
A year
£8,962.72
| Band | Share | Years | Weekly |
|---|---|---|---|
| 0–9 years | Nil | 0 | £0.00 |
| 10–35 years | 1/35 each year | 25 | £172.36 |
| Over 35 years | No extra | 0 | £0.00 |
| Total | £172.36 | ||
Years toward the full rate
25Counted
10Gap
Share of the full rate
- Counted 71%
- Still to go
Qualifying years used: 25 of 35, including 5 future years.
Gap to the full amount: 10 years. One extra year is worth about £6.89 a week. Class 3 for one year costs £956.80.
No loginNo registration2026/27 ratesStays in your browser
The new State Pension is the regular payment for people who reach State Pension age on or after 6 April 2016. The full rate in 2026/27 is £241.30 a week (£12,547.60 a year). You need 35 qualifying years for that rate, and at least 10 before any new State Pension is payable.
Each qualifying year is one thirty-fifth of the full rate. Years above 35 do not increase this estimate. If you were contracted out before April 2016, the official forecast is often lower: this tool does not apply a personal deduction.
The calculator uses the 2026/27 rate and the current age timetable. It stays in your browser. Confirm the figure with the official State Pension forecast.
What this calculator handles
Age, the weekly amount, the 10-year minimum and the 2026/27 rate are built into the calculator above.
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State Pension age
The date you can claim, from your date of birth
✓
Weekly, monthly and yearly
The new State Pension at 2026/27 rates
✓
10-year minimum
Nothing is payable below 10 qualifying years
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35-year full rate
Years above 35 do not increase this estimate
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Class 3 cost
One voluntary year costs £956.80
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Contracted-out warning
A prompt to check the official forecast
Compare
Compare State Pension scenarios
See how the scheme, your pension age and your qualifying years change the result.
66vs68
Age 66 vs 68
Which birth dates reach State Pension age at 66, 67 and 68.
Compare nowEstimatevsForecast
Calculator vs GOV.UK
What this estimate can show, and what only the official forecast knows.
Compare now2025vs2026
Before vs after April 2026
The triple-lock rise in the full weekly and yearly rate.
Compare now10 yrsvs35 yrs
Minimum vs full rate
Why nothing is payable under 10 years, and what 35 years pays.
Compare nowApril 2026 State Pension rise
From 6 April 2026 the full new State Pension rose by 4.8% under the triple lock, from £230.25 a week in 2025/26 to £241.30 a week. The calculator uses the 2026/27 rate.
| Change | 2025/26 | From April 2026 |
|---|---|---|
| Full new State Pension a week | £230.25 | £241.30 |
| Full new State Pension a year | £11,973.00 | £12,547.60 |
| One qualifying year a week | £6.58 | £6.89 |
On its own, the full new State Pension of £12,547.60 a year still sits under the £12,570.00 Personal Allowance. Other income can still make it taxable.
Read the full comparisonWhat is the State Pension?
The State Pension is a regular payment from the government, built from your National Insurance record. It is separate from a workplace or private pension. People who reach State Pension age on or after 6 April 2016 are on the new State Pension. People who reached it earlier may still be on the basic State Pension, sometimes with an Additional State Pension on top.
The new rate is worked out in qualifying years, not as one flat percentage of your earnings. You need 10 years before any new State Pension is payable, and 35 years for the full £241.30 a week. Each year in between is one thirty-fifth of that full rate. Years above 35 do not increase this estimate.
It is not paid automatically. You claim it, usually from four months before your State Pension age, and it is normally paid every four weeks. The payment is taxable, but it is paid gross. The full new rate of £12,547.60 a year sits just under the £12,570.00 Personal Allowance on its own. Other income can still make tax due.
35 years
For the full new rate
10 years
Minimum before any payment
Four-weekly
The usual payment cycle
4 months
How early you can claim
How it works
How your State Pension is worked out
The new State Pension is a share of one full rate. You do not get a percentage of your old wage. Once you have at least 10 qualifying years, the estimate is your years divided by 35, multiplied by £241.30 a week.
Twenty qualifying years is 20/35 of the full rate, which is £137.89 a week in 2026/27, or £7,170.28 a year. That is about 57% of the full amount. The other 15 years are the gap, worth about £6.89 a week each if you can still add them.
A year only counts if it is a qualifying year on your National Insurance record, from work or from credits. Years after your State Pension age are ignored. If you were contracted out before April 2016, the official forecast can be lower than this straight 35-year sum.
State Pension age timetable
Current law. Parliament can still change the rise to 68. The calculator on this page applies the published timetable, including the shared dates for people born from April 1977 to March 1978.
| Date of birth | State Pension age |
|---|---|
| Before 6 October 1954 | Older timetable. Use the official forecast. |
| 6 October 1954 to 5 April 1960 | 66th birthday |
| 6 April 1960 to 5 March 1961 | 66 years and 1 to 11 months |
| 6 March 1961 to 5 April 1977 | 67th birthday |
| 6 April 1977 to 5 April 1978 | Fixed dates from May 2044 to March 2046 |
| From 6 April 1978 | 68th birthday |
Born 15 April 1960
66 years and 1 month
15 May 2026
Born 6 March 1961
67 years
6 March 2028
Born 6 April 1978
68 years
6 April 2046
Current State Pension rates 2026/27
Figures below are the new State Pension. The basic State Pension, for people who reached State Pension age before 6 April 2016, is a separate rate of £184.90 a week.
Qualifying years
New State Pension
| Under 10 years | £0.00 |
| 10 years | £68.94 |
| 20 years | £137.89 |
| 35 years, full rate | £241.30 |
| Over 35 years | No extra |
Each year from 10 to 35 is one thirty-fifth of the full weekly rate.
Read the guideHow the full rate is paid
35 qualifying years
| A week | £241.30 |
| Every four weeks | £965.20 |
| A calendar month | £1,045.63 |
| A year | £12,547.60 |
Payment is usually every four weeks. The yearly figure is the weekly rate times 52.
Read the guideFilling a gap
Class 3 voluntary National Insurance
| Class 3 a week | £18.40 |
| Class 3 for a year | £956.80 |
| One year adds, a week | £6.89 |
| One year adds, a year | £358.28 |
A year can only be paid if it is still in date and you do not already have a credit.
Read the guideThe same 35-year scale, three records
These examples assume you were not contracted out, so the estimate can use the standard scale. A contracted-out record often produces a lower official forecast, and may still rise after 35 years.
| Record | Not contracted out | Contracted out before 2016 |
|---|---|---|
| This estimate | Years divided by 35 | The same figure, with a warning |
| Official forecast | Often close if the years match | Often lower than this estimate |
| Years above 35 | No extra on this estimate | May still be needed |
Worked examples at the 2026/27 rate
Each card uses the weekly rate rounded to the nearest penny, then multiplies by 52 for the year.
10 years
10 qualifying years, not contracted out
| A week | £68.94 |
| Every four weeks | £275.76 |
| A year | £3,584.88 |
| Share of the full rate | 28.6% |
The first point at which any new State Pension is payable.
20 years
20 qualifying years, not contracted out
| A week | £137.89 |
| Every four weeks | £551.56 |
| A year | £7,170.28 |
| Share of the full rate | 57.1% |
Twenty thirty-fifths of the full weekly rate.
35 years
35 qualifying years, not contracted out
| A week | £241.30 |
| Every four weeks | £965.20 |
| A year | £12,547.60 |
| Share of the full rate | 100.0% |
The full new State Pension. Further years add nothing here.
Your own figure depends on your date of birth and your National Insurance record. Change the example in the calculator at the top of this page, or read how qualifying years work.
Weekly amount, 2026/27
How much the State Pension is at 10, 20 and 35 years
New State Pension. Not contracted out. Rounded to the nearest penny.
At a glance
How much State Pension will you get?
The weekly amount climbs in equal steps. Ten years pays £68.94. Twenty years pays £137.89. Thirty-five years pays the full £241.30, which is £12,547.60 a year.
Under 10 years the estimate is £0.00. Above 35 years this calculator stays at the full rate. The official forecast can differ if you were contracted out, or if you have a protected payment.
This calculator and the official forecast
| This site | GOV.UK forecast | |
|---|---|---|
| Login | None | Government Gateway |
| National Insurance number | Not asked | Read from your record |
| Amount | Straight 35-year estimate | Your starting amount, including contracted out |
| Use it to | Plan and learn the rules | Confirm what you will be paid |
Full rate
Where the full State Pension comes from
The full new State Pension in 2026/27 is £241.30 a week, or £12,547.60 a year. It is 35 equal qualifying years. Each one is worth about £6.89 a week.
The first 10 years only clear the minimum. Nothing in this estimate is payable below that. The next 10 years add the same amount again, and the last 15 take you to the full rate. Years above 35 do not increase it.
On its own, £12,547.60 a year still sits under the £12,570.00 Personal Allowance. Other income can still make it taxable. If you were contracted out before April 2016, the official forecast is often lower than this split.
Where the full rate comes from
Thirty-five qualifying years at the 2026/27 rate.
- Years 1–10£3,585.03 · 28%
- Years 11–20£3,585.03 · 28%
- Years 21–35£5,377.54 · 44%
Ten years clears the minimum. The other twenty-five years build most of the full rate.
Tools and resources
Interactive tools, guides and checks
Everything you need to check your State Pension age, amount and qualifying years in one place.
Frequently Asked Questions
Quick answers to common State Pension questions with current 2026/27 rates
How much is the State Pension?
The full new State Pension is £241.30 a week in 2026/27, which is £12,547.60 a year. You need 35 qualifying years for the full rate and at least 10 years before anything is payable.
How much is the State PensionWhen can I claim?
Your State Pension age depends on your date of birth. People born from 6 October 1954 to 5 April 1960 reach it at 66. The age then rises to 67, and under current law to 68 for people born from 6 April 1978. You can claim from four months before that date.
State Pension age guideDo I need to log in?
No. This estimate uses your date of birth and qualifying years in your browser. The official forecast on GOV.UK needs a Government Gateway login and reads your National Insurance record.
Calculator vs the official forecastWhat if I was contracted out?
A contracted-out deduction is personal to your record. This calculator will not invent one. If you were contracted out before April 2016, check the official forecast, because it is often lower than a simple 35-year estimate.
How we calculateCan I buy missing years?
Class 3 voluntary National Insurance costs £18.40 a week in 2026/27, or £956.80 for a year. One extra qualifying year is worth about £6.89 a week at the full rate. A year can only be paid if it is still within the deadline and you do not already have a credit.
Qualifying years and National InsuranceSources
Rates and the age timetable on this page come from the publications below. Figures last updated 6 April 2026. Content reviewed October 2026.