State Pension Forecast Calculator
Estimate your State Pension from the National Insurance years you already have — and how much more a few extra years could add.
IndependentFreeNo sign-upSources: gov.uk
Check your exact figure on your gov.uk National Insurance record.
Optional — leave at 0 if you've already stopped working or paying NI.
Your estimated State Pension
£227.51/week
That's £910.05 every 4 weeks, or about £11,830.59 a year.
With fewer than 10 qualifying years, you don't currently qualify for any State Pension — but extra years, even a few more, can change that.
You're 2 qualifying years short of the full rate. Each extra qualifying year adds about £6.89/week (£241.30 ÷ 35).
- Full new State Pension £241.30/week (2026/27)
- 35 years = full rate
- New State Pension rules (post-2016)
How we calculate this
Under the new State Pension (for people reaching State Pension age since 6 April 2016), your weekly amount is your qualifying years divided by 35 (capped at 35), multiplied by the full rate of £241.30/week (2026/27). You need at least 10 qualifying years to get anything at all. Pre-2016 National Insurance records — including being contracted out — can affect your real figure differently; this page uses post-2016 rules only.
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What counts as a qualifying year?
A qualifying year is a tax year in which you paid (or were credited with) enough National Insurance — through work, self-employment, or credits for things like raising children or claiming certain benefits. You need 10 qualifying years for any State Pension at all, and 35 for the full rate.
Getting the exact figure
This calculator gives a fast estimate from qualifying years alone. Your real entitlement can differ slightly because of pre-2016 National Insurance rules, including contracted-out periods — so treat this as a starting point, and confirm the exact number with your gov.uk State Pension forecast. Want to know the date you can actually claim it? Use the State Pension age calculator.
Frequently asked questions
How much State Pension will I get with 20 years?
With 20 qualifying years, you'd get about £137.89 a week — that's 20 out of the 35 years needed for the full £241.30/week rate, so roughly 57% of the full amount.
Is 30 years enough for full State Pension?
No — under the new State Pension (post-2016 rules), you need 35 qualifying years for the full rate, not 30. With 30 years you'd be 5 years short, giving about £206.83 a week instead of the full £241.30.
Can I buy missing NI years?
Usually yes. You can normally pay voluntary National Insurance contributions to fill gaps from the last 6 tax years, with a deadline of 5 April each year. Always check your official record on gov.uk/check-state-pension before paying — it will tell you exactly which years are missing and whether topping up would actually increase your pension.
What if I was contracted out?
If you were contracted out of the additional State Pension at any point before 2016 (common with older workplace pensions), your pre-2016 National Insurance record is adjusted in a way this simple calculator doesn't model. Your gov.uk State Pension forecast accounts for this automatically — treat this page as an estimate and check the official forecast for your real number.
Does the State Pension rise each year?
The full new State Pension has historically risen each April under the "triple lock" — increasing by whichever is highest of average earnings growth, inflation, or 2.5%. The rate used on this page (£241.30/week for 2026/27) reflects the current tax year; future increases depend on government policy and aren't guaranteed.
This calculator is for educational purposes only and is not financial, tax, or legal advice. Pensora is independent and not affiliated with HMRC, the DWP, or any government agency. For decisions about your own situation, consider a licensed financial adviser.