Estimate your new State Pension from your National Insurance record. Enter your qualifying years so far and how many more you expect, and see your weekly and annual pension — plus the value of buying any missing years.
New State Pension · 2026/27
The new State Pension is based on your National Insurance record. You build a qualifying year each tax year you earn enough, pay NI, or receive certain credits (for example while claiming Child Benefit or carer's credit). You need 35 qualifying years for the full pension and at least 10 to get anything. Each year is worth roughly 1/35th of the full amount.
| Qualifying years | Weekly pension (approx) |
|---|---|
| 10 years | £69 |
| 20 years | £138 |
| 30 years | £207 |
| 35+ years | £241 (full) |
For most people the State Pension is a foundation, not the whole plan. Layer your private savings on top with the pension calculator, decide how to take them via the annuity or drawdown route, and remember the State Pension uses part of your Personal Allowance first.
35 years for the full new State Pension, and at least 10 to get anything. Each year is roughly 1/35th of the full amount.
About £241.30 a week (≈ £12,548 a year) after the triple lock uprating.
Often yes — a ~£900 year can add ~£358 a year for life. Check your forecast, as contracting-out means not every year helps.
Yes — it counts as income and uses part of your Personal Allowance, though it's paid without tax deducted at source.
