New State Pension Calculator
Your State Pension Estimate
Weekly Pension-
Monthly Pension-
Annual Pension-
NI Years Needed for Full-
Years Until Pension Age-
State Pension Rates 2025/26
| NI Years | Weekly | Annual |
|---|---|---|
| 10 years (minimum) | £63.20 | £3,286 |
| 20 years | £126.40 | £6,573 |
| 35 years (full) | £221.20 | £11,502 |
State Pension Key Facts
Full Pension
£221.20/wk
Min Years
10
Full Years
35
Triple Lock
4.1% rise
Annual Value
£11,502
Tax Free?
Within PA
How to Use This Calculator
1
Enter NI qualifying years
Check your NI record at gov.uk. 35 years needed for full pension.
2
Enter contracted-out years
If you were in a workplace pension that contracted out of the additional State Pension.
3
Select your State Pension age
Based on your date of birth — 66, 67, or 68.
4
Enter current age
To calculate years until you can claim.
5
Review your estimate
See weekly, monthly, and annual pension amounts.
Frequently Asked Questions
How many NI years do I need for full State Pension?
You need 35 qualifying years of National Insurance contributions for the full new State Pension of £221.20 per week (2025/26). You need a minimum of 10 qualifying years to receive any State Pension at all. If you have between 10 and 35 years, you receive a proportional amount.
What is the triple lock?
The triple lock guarantees that the State Pension increases each year by the highest of: average earnings growth, CPI inflation, or 2.5%. For 2025/26, the increase was 4.1% (based on earnings growth). The triple lock has been a political commitment since 2011 and ensures the pension maintains its value relative to wages and prices.
Can I buy extra NI years?
Yes, you can make voluntary NI contributions (Class 3) to fill gaps in your record. Class 3 contributions cost £17.45 per week (2025/26) for each missing year. You can usually go back 6 years, and there are transitional arrangements allowing you to buy years back to 2006. Each additional year adds approximately £6.32 per week to your pension — a very good return.
What is the State Pension age?
State Pension age is 66 for those born before April 1960. It increases to 67 for those born between April 1960 and March 1977. A further increase to 68 is planned but the timing is subject to review. You can check your specific State Pension age on the GOV.UK website.
Is the State Pension taxable?
Yes, the State Pension counts as taxable income. However, if it is your only income and is below the personal allowance (£12,570), no tax is due. If you have other income (private pension, employment, rental), the State Pension is added to your total income and taxed accordingly. No tax is deducted at source — it is collected through self-assessment or a tax code adjustment.
Official Sources & References
Data verified against official UK government sources. Last checked April 2026.