Pension Calculator

State Pension Forecast Calculator 2025/26

The full new State Pension is £221.20/week in 2025/26 — but you need 35 qualifying NI years to get the full amount. This calculator estimates your pension and shows you whether buying voluntary NI contributions makes financial sense.

Your Details

Date of birth (year) Gender (affects pension age for older cohorts) Qualifying NI years you already have How many more NI years do you expect to build up? Count remaining working years Do you have any gaps in your NI record?

Your State Pension Forecast

Estimated weekly State Pension

£0

£0/year

State Pension age

Years until State Pension age

—

Qualifying NI years (now)

Projected total NI years

Full pension needs

35 years

% of full pension

Full State Pension 2025/26

£221.20/wk

Buy gap years?

—

Key State Pension Facts 2025/26

Full new State Pension: £221.20/week (£11,502/year) — increased by 4.1% under the triple lock
Qualifying years needed: 35 years for full pension; minimum 10 years for any pension
State Pension age: Currently 66 — rising to 67 between 2026 and 2028, and to 68 between 2044 and 2046
Voluntary NI contributions: You can fill gaps in your NI record by paying Class 3 voluntary contributions (£824.20 per gap year in 2025/26). For most people, one extra NI year is worth £6.33/week = £329/year for life — typically breaks even in under 3 years.

Check your actual NI record and get a State Pension forecast from HMRC at gov.uk/check-state-pension (requires Government Gateway login). You can also call the Future Pension Centre on 0800 731 0175.

Deadline for filling gaps: You can normally fill NI gaps going back up to 6 years. However, if you are a man born between 1951–1953 or a woman born between 1953–1960, a special extended deadline has applied — check gov.uk urgently as these windows are time-limited.