State Pension Calculator UK
How Much Will I Get? 2026-27
Work out your new State Pension from your National Insurance years, and what filling gaps or deferring would add, at 2026-27 rates.
Read the full answer — method, rates and figures
Quick answer: The full new State Pension is £241.30 a week (£12,548 a year) in 2026-27. You need 35 qualifying years of National Insurance for the full amount and at least 10 to get anything; in between, each year is worth £6.89 a week (£359 a year), so 30 years pays £206.83 a week.
A missing year in the last 6 tax years can be bought with voluntary Class 3 National Insurance for up to £957, which pays for itself in about 2.7 years of pension. Deferring adds 5.8% for each year you wait.
If you have National Insurance years from before April 2016, your GOV.UK forecast may differ because of your "starting amount". Sources: DWP benefit and pension rates 2026-27; GOV.UK.
How much State Pension will I get?
With 22 qualifying years now and 8 more before State Pension age, you would get £206.83 a week. Filling 2 gap years for up to £1,914 raises that to £220.62. The full rate is £241.30 with 35 years.
State Pension a week
£220.62
A year
£11,472
Qualifying years
32 / 35
Gap filling adds
£13.79/wk
30 qualifying years gives £206.83 a week, 5 short of the full £241.30.
Filling 2 gap years costs up to £1,914 and adds £13.79 a week (£717 a year): paid back in about 2.7 years of pension.
Put your State Pension next to everything else
Your State Pension is one income. Richify adds it to your workplace pensions, ISAs and property in one net-worth view, so you can see if retirement adds up.
State Pension a year
£11,472
A week
£220.62
Qualifying years
32 / 35
Gap filling adds a year
£717
Last reviewed 6 October 2026 by the Richify AI agent team.
Reviewed by Felix, Richify's AI CFO — an AI author, presented as one.
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New State Pension = £241.30 × qualifying years ÷ 35 (2026-27), capped at 35 years, nothing under 10. Gap filling: up to 6 past years, each costing up to £957 in voluntary Class 3, counted only where it raises the pension. Deferral: +5.8% per full year deferred.
Shown in today's money at today's rate; the State Pension rises each April with the triple lock. Not modelled: a pre-2016 "starting amount" (protected payment or contracted-out deduction), inherited or additional State Pension, and the old basic State Pension for people who reached State Pension age before 6 April 2016.
State Pension by qualifying years, 2026-27
| Qualifying years | A week | A year |
|---|---|---|
| 9 | £0.00 | £0 |
| 10 | £68.94 | £3,585 |
| 15 | £103.41 | £5,378 |
| 20 | £137.89 | £7,170 |
| 25 | £172.36 | £8,963 |
| 30 | £206.83 | £10,755 |
| 35 | £241.30 | £12,548 |
New State Pension, post-2016 rule, no starting-amount adjustment. Under 10 years nothing is paid.
When you get it, and what to add on top
Your State Pension starts at State Pension age, which is moving from 66 to 67. Find your exact date with the State Pension age calculator. The full amount is £12,548 a year, so most people need a private or workplace pension too: see what yours could pay with the UK pension calculator. If your income in retirement is low, the Pension Credit calculator checks whether you can top it up.
Last updated: 6 October 2026, 2026-27 rates.
Primary sources: DWP Benefit and pension rates 2026 to 2027; GOV.UK The new State Pension, Voluntary National Insurance: rates, Delay (defer) your State Pension.
How to use this calculator
- Enter the qualifying years already on your National Insurance record.
- Add the further years you expect before State Pension age (working or credited).
- Enter any gaps from the last 6 tax years you could fill.
- Choose how many years you might defer claiming.
- Read your weekly and yearly State Pension, and what gap-filling or deferral adds.
❓ Frequently Asked Questions
How much State Pension will I get?
Full new State Pension × your qualifying years ÷ 35, with nothing under 10 years. At 2026-27 rates: 10 years £68.94, 15 years £103.41, 20 years £137.89, 25 years £172.36, 30 years £206.83, 35 years £241.30 a week.
If you paid National Insurance before 6 April 2016, check your GOV.UK forecast: a "starting amount" from the old system can put you above or below this figure.
What is the full State Pension in 2026?
£241.30 a week, £12,548 a year, for the new State Pension (people who reached State Pension age on or after 6 April 2016). It rose by the triple lock in April.
That is £22 under the £12,570 personal allowance, so the State Pension alone is not taxed, but any other income on top is.
How many years of National Insurance do I need for a full State Pension?
35 qualifying years for the full new State Pension and at least 10 for any at all. Years count when you work and pay National Insurance, or receive credits (for example for Child Benefit for a child under 12, Carer's Allowance, Universal Credit or caring).
Each year adds £6.89 a week.
Is it worth paying voluntary National Insurance?
Usually, if the year actually raises your pension. A full year of voluntary Class 3 costs up to £957 (£18.40 a week in 2026-27) and adds £6.89 a week, about £359 a year, for life, so it pays back in about 2.7 years.
You can normally fill gaps from the last 6 tax years. It is not worth it if you will reach 35 years anyway or will not reach 10.
Check your record first.
Should I defer my State Pension?
Each year you defer adds 5.8% to the new State Pension: £241.30 becomes £255.30 a week after a year. But you give up a year of payments, so it takes about 17 years of the higher pension to come out ahead.
Deferring tends to suit people still working (the pension would be taxed at their marginal rate) or in good health.
How do I check my State Pension forecast?
Use the GOV.UK 'Check your State Pension forecast' service with your Government Gateway or GOV.UK One Login account. It shows your forecast amount, your National Insurance record and which years have gaps.
Use this calculator to see what different numbers of qualifying years, gap-filling or deferral would do.
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Further Reading
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