State Pension Entitlement Estimator
Estimate your UK New State Pension entitlement based on your National Insurance (NI) qualifying years. The full New State Pension requires 35 qualifying years; a minimum of 10 years is needed to receive any pension.
Your estimated State Pension will appear here.
Formula
Total Projected NI Years = Current NI Years + max(0, Additional Working Years − Gap Years)
Capped NI Years = min(Total Projected NI Years, 35)
Weekly State Pension = (Capped NI Years ÷ 35) × Full New State Pension Rate
Annual State Pension = Weekly Pension × 52
A minimum of 10 qualifying NI years is required to receive any State Pension. The maximum is reached at 35 qualifying years.
Assumptions & References
- Based on the UK New State Pension system introduced in April 2016 (applicable to those reaching State Pension age on or after 6 April 2016).
- The default full New State Pension rate of £221.20/week reflects the 2024/25 tax year figure (subject to annual triple-lock uprating).
- The triple lock (increases by the highest of inflation, earnings growth, or 2.5%) is not projected forward in this estimator; the current rate is used as a constant.
- Each year you work and pay NI contributions (or receive NI credits) counts as one qualifying year.
- Voluntary Class 3 NI contributions can be used to fill gaps in your record (currently £824.20 per gap year for 2024/25).
- State Pension age is currently 66 for both men and women, rising to 67 between 2026–2028 and potentially 68 from the mid-2040s.
- This tool does not account for contracted-out deductions applicable to those who were in certain workplace pension schemes before April 2016.
- This is an estimate only. For a personalised State Pension forecast, use the official Check your State Pension service on GOV.UK.
- Reference: GOV.UK – The new State Pension.