Estimate UK State Pension by NI years.
Weekly pension at retirement
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Annual pension
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Your breakdown
Updates live as you type| Qualifying years | Weekly pension |
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Worked example
Suppose you have 25 qualifying National Insurance years on record now and no further working years ahead. The new State Pension needs 35 years for the full amount, so 25 years earns you 25/35, about 71 percent, of the full rate. At an illustrative full rate of £230.25 a week that gives roughly £164.46 a week, or about £8,552 a year. Add ten more working years to reach 35, and you would qualify for the full £230.25 a week, around £11,973 a year. The 10-year minimum matters too: below ten qualifying years you get nothing from the new State Pension, so the first decade of contributions is the most valuable.
How it is calculated
The estimate adds your qualifying years so far to any future years you expect before reaching State Pension age, then scales the full weekly rate by that total over 35. Reach 35 or more years and you get the full amount; fall between 10 and 34 years and you get a proportionate share; drop below 10 years and you do not qualify at all. The annual figure is simply the weekly amount multiplied by 52. The full weekly rate shown here is illustrative for 2026/27 and should be checked against the official Department for Work and Pensions figure, which rises each April under the triple lock. The tool gives a clean view of the years-based mechanics, but your actual forecast can differ because of contracted-out periods or starting-amount rules carried over from the old system, so confirm your record at gov.uk before making decisions. Filling gaps with voluntary Class 3 contributions can be worthwhile if a missing year would otherwise keep you below 35.