Enter your qualifying years to see the new State Pension beside the full 2026/27 rate. Under 10 years nothing is payable. Above 35 the weekly amount stops rising.
These are the records where a standard calculator can miss what you will actually be paid. Ask before you decide whether to buy a year.
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
Share of the full rate
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.
Thirty qualifying years is a common point on the way to 35. The flat rule pays one thirty-fifth of the full rate for each year from 10 up to 35.
30 qualifying years
£206.83
£10,755.16 a year
Full rate, 35 years
£241.30
£12,547.60 a year
Short of the full rate
£34.47
£1,792.44 a year
At 30 years the estimate is £206.83 a week, £34.47 short of the full £241.30. That gap is 14.3% of the full weekly rate. Five further qualifying years close it. Years past 35 do not.
The new State Pension is the weekly amount for people who reach State Pension age on or after 6 April 2016. In 2026/27 the full rate is £241.30 a week. The estimator uses these thresholds:
The full annual figure is £12,547.60. The Personal Allowance is £12,570.00, so the pension on its own sits just under that allowance. Other income can still make part of it taxable. The rate guide sets the weekly, monthly and annual figures out in full.
The two schemes sit side by side. You do not choose between them. The new State Pension is for people who reach State Pension age on or after 6 April 2016. The basic State Pension is for people who reached it before that date.
Full rate £241.30 a week, £12,547.60 a year.
| Under 10 years | £0.00 |
| Each year from 10 to 35 | 1/35 of the full rate |
| Above 35 years | No extra |
Full basic rate £184.90 a week at 30 years.
| Years for the full basic rate | 30 |
| Who it is for | Reached age before 6 April 2016 |
| On top of the basic rate | Additional State Pension, where due |
The shortfall against the full rate shrinks by about £6.89 a week for each qualifying year between 10 and 35. At 35 the shortfall is zero. After that it stays zero.
| Qualifying years | Weekly | Yearly | Short of full |
|---|---|---|---|
| 0 | £0.00 | £0.00 | £241.30 |
| 10 | £68.94 | £3,584.88 | £172.36 |
| 20 | £137.89 | £7,170.28 | £103.41 |
| 25 | £172.36 | £8,962.72 | £68.94 |
| 30 | £206.83 | £10,755.16 | £34.47 |
| 35 | £241.30 | £12,547.60 | £0.00 |
| 40 * | £241.30 | £12,547.60 | £0.00 |
* Years above 35 do not raise the new State Pension. Figures are the 2026/27 full rate, rounded to the nearest penny. A starting amount can change your own figure.
People with National Insurance years before 6 April 2016 have a starting amount. It is the higher of the amount under the old rules and the amount under the new rules, worked out at the changeover. Contracting out of the additional State Pension can make that starting amount lower than the flat 1/35 line.
This page applies the flat rule only. It does not rebuild a starting amount, and it does not add a protected payment. The comparison sets the full new rate against the full basic rate. Your own figure is the one on the GOV.UK forecast, which uses your National Insurance record.
In 2026/27 the full rate is £241.30 a week. With at least 10 qualifying years, each year up to 35 is worth one thirty-fifth of that rate.
No. Years above 35 do not add to the new State Pension. They can still matter for the basic State Pension if you reached State Pension age before 6 April 2016.
A starting amount may already include a deduction for years you were contracted out of the additional State Pension. This estimator applies the flat one-thirty-fifth rule and flags that case. It does not rebuild a starting amount.
The full annual new State Pension in 2026/27 is £12,547.60. The Personal Allowance is £12,570.00. The pension on its own sits just under that allowance. Other income can still make part of it taxable.
Reviewed by
Chartered Financial Planner
FCA, CFP® and FCII. Director of Mason Beaufort Financial Planning Co Ltd, specialising in UK pensions since 2001.
