Your UK State Pension depends on your National Insurance (NI) qualifying years. The full new State Pension for 2026/27 is £230.25 per week (£11,973 per year), and you need 35 qualifying years to get the full amount. Fewer years means a proportional reduction.
The calculator below uses the new State Pension (for those reaching State Pension age on or after 6 April 2016). If you reached State Pension age before that date, you fall under the old basic State Pension rules — the calculator estimates this using a different formula.
UK State Pension Calculator (2026/27)
How much weekly and annual State Pension based on your NI years.
Your details
Your State Pension
Estimate only. Actual amount depends on full NI record (including credits) and contracting-out adjustments. Get a personalised forecast at gov.uk/check-state-pension.
How the new State Pension works
Under the new State Pension (2016 onward), each qualifying year is worth 1/35 of the full amount. So 35 years = full pension; 20 years = 20/35 = roughly £131.57/week.
You need at least 10 qualifying years to get any State Pension at all under the new rules.
Filling NI gaps to boost your pension
If you have gaps in your NI record, you can usually pay voluntary Class 3 contributions for the past 6 years (occasionally further back). At roughly £907 per missing year, each extra year currently buys around £342/year (1/35 of the full pension) for life — a 2-3 year payback.