State pension calculator (new State Pension 2026/27)

This state pension calculator works out your new State Pension from the number of National Insurance qualifying years, using the 2026/27 full rate of £241.30 a week. Enter your date of birth to see your State Pension age under current law, and the weeks you plan to defer to see the extra pension.

Example: Day of birth 15 · Month of birth: March · Year of birth 1,965 · National Insurance qualifying years 35 · Weeks you defer (delay) claiming 0 weeks → State Pension per week: £241.30. Source: Pensions Act 2014, ss.2–4, GOV.UK – The new State Pension: full rate £241.30 a week, 10 and 35 qualifying years (read 09.10.2026). Updated: 9 October 2026.

Day of birth

Month of birth

Year of birth

National Insurance qualifying years

see your NI record; years you expect to add count too

Weeks you defer (delay) claiming

weeks

0 if you claim at State Pension age

My ToolboxYour inputs are saved in this browser only.

Result

State Pension per week: £241.30
State Pension age: 15 March 2032 (age 67)
Per year: £12,547.60 a year, £965.20 every 4 weeks
Calculation: Item Amount Basis
Qualifying years 35 years 35 of 35 years count
New State Pension £241.30 years ÷ 35 × £241.30 a week
Per week £241.30
Every 4 weeks £965.20 how it is paid
Per year £12,547.60 52 weeks; Estimate at today’s rate for people who reach State Pension age after April 2016 with an NI record started after 2016. Contracting out before 2016, a protected payment and the old basic State Pension are not included. Your official forecast is on GOV.UK.

Item	Amount	Basis
Qualifying years	35 years	35 of 35 years count
New State Pension	£241.30	years ÷ 35 × £241.30 a week
Per week	£241.30
Every 4 weeks	£965.20	how it is paid
Per year	£12,547.60	52 weeks

How it is calculated

With 35 qualifying years you get the full new State Pension of £241.30 a week in 2026/27 – £965.20 every 4 weeks, £12,547.60 a year. With 30 years it is £206.83 a week. You need at least 10 years to get anything.

How much State Pension you get

Qualifying years	Per week	Per year
9 or fewer	£0	£0
10	£68.94	£3,584.88
20	£137.89	£7,170.28
30	£206.83	£10,755.16
35 or more	£241.30	£12,547.60

How the calculator works

Amount: qualifying years ÷ 35 × £241.30, at most the full rate. Each year is worth about £6.89 a week.
Deferring: if you delay claiming for at least 9 weeks, your pension rises by 1% for every 9 weeks – just under 5.8% a year.
State Pension age from your date of birth, using the DWP timetable under current law.

State Pension age

Date of birth	State Pension age
6 October 1954 – 5 April 1960	66
6 April 1960 – 5 March 1961	66 and 1 to 11 months
6 March 1961 – 5 April 1977	67
6 April 1977 – 5 April 1978	a date between 6 May 2044 and 6 March 2046
6 April 1978 or later	68

Examples

Born 31 July 1960: State Pension age is 66 years and 4 months, reached on 30 November 2026.
Born 15 March 1965, 35 years: £241.30 a week from 15 March 2032 (age 67).
Born 10 January 1978: State Pension on 6 November 2045.
Born 1 June 1980, 30 years: £206.83 a week from 1 June 2048 (age 68).
Full rate, deferred 26 weeks: 2.89% more = £6.97 extra, £248.27 a week.
Full rate, deferred 52 weeks: 5.78% more = £13.94 extra, £255.24 a week.

Need help before State Pension age? The universal credit calculator estimates your monthly award. Tax on your pension and other income: UK take-home pay calculator.

Limits

The calculator is for the new State Pension (people reaching State Pension age on or after 6 April 2016). If you were contracted out before 2016 you usually need more than 35 years; if you paid into the Additional State Pension you may get a protected payment on top. Amounts are at 2026/27 rates: the State Pension rises every April by the highest of earnings growth, prices or 2.5%. GOV.UK shows deferral examples with a rounded 5.8% a year; the calculator uses the exact 1% per 9 weeks. The State Pension age from 2044 could change after a future review. This is an estimate – check your forecast on GOV.UK.

Frequently asked questions

How much is the full State Pension in 2026/27?

The full new State Pension is £241.30 a week, which is £965.20 every 4 weeks or £12,547.60 a year.

How many years do I need for a full State Pension?

Usually 35 qualifying years on your National Insurance record. You need at least 10 years to get any new State Pension.

How much is one qualifying year worth?

About £6.89 a week (£241.30 ÷ 35), or roughly £358 a year in State Pension for the rest of your life.

What is my State Pension age?

66 if you were born between 6 October 1954 and 5 April 1960, rising to 67 for people born from 6 March 1961 and to 68 for people born from 6 April 1978 under current law.

How much more do I get if I defer?

Your weekly pension rises by 1% for every 9 weeks you delay, so 52 weeks add just under 5.8% – about £13.94 a week on the full rate.

Does the State Pension go up every year?

Yes. Under the triple lock it rises each April by the highest of average earnings growth, CPI inflation or 2.5%.

Sources and legal basis

Pensions Act 2014, ss.2–4: GOV.UK – The new State Pension: full rate £241.30 a week, 10 and 35 qualifying years (read 09.10.2026)
GOV.UK – Delay (defer) your State Pension: 1% for every 9 weeks, minimum 9 weeks (read 09.10.2026)
Pensions Act 2007, 2011 and 2014: DWP – State Pension age timetable, Tables 3 to 5 (read 09.10.2026)

As of: 9 October 2026 · Editorial policy