UK State Pension Calculator
Estimate your new UK State Pension for 2024/25 from your qualifying National Insurance years. See the weekly, monthly and annual amount instantly.
Updated 2026-06-14 · Free · No sign-up · Runs privately in your browser
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Estimate based on the UK's 2024/25 rules. Contribution rates, brackets and ceilings change — always verify the current official figures with GOV.UK / HMRC and check your forecast at gov.uk/check-state-pension. This is for general guidance, not financial or tax advice.
How it works
The UK State Pension Calculator estimates your new State Pension based on the number of qualifying National Insurance (NI) years you have built up. Enter your qualifying years and it returns the estimated payment as a weekly, monthly and annual figure.
The new State Pension (for people reaching State Pension age on or after 6 April 2016) is built on a straightforward rule: 35 qualifying years earns the full amount, and fewer years earn a proportional share.
Estimate based on the UK’s 2024/25 rules. Contribution rates, brackets and ceilings change — always verify the current official figures with GOV.UK / HMRC and check your forecast at gov.uk/check-state-pension. This is for general guidance, not financial or tax advice.
The New State Pension Rules (2024/25)
Three numbers define the calculation:
- Full weekly rate: £221.20 per week in the 2024/25 tax year.
- Years for the full amount: 35 qualifying NI years.
- Minimum to qualify: 10 qualifying years — with fewer than 10 you usually get nothing from the new State Pension.
For someone with between 10 and 34 qualifying years, the weekly pension is calculated proportionally:
Weekly pension = £221.20 × (qualifying years ÷ 35)
Having more than 35 qualifying years does not increase the new State Pension; it is capped at the full rate. A “qualifying year” is a tax year in which you paid enough National Insurance contributions, or received NI credits (for example while claiming Child Benefit, on certain benefits, or as a carer).
Worked Example
Suppose you have 35 qualifying years:
- 35 ÷ 35 = 1, so you receive the full rate.
- Weekly = £221.20.
- Annual = £221.20 × 52 = £11,502.40.
- Monthly ≈ £11,502.40 ÷ 12 = £958.53.
Now suppose you have 20 qualifying years:
- Weekly = £221.20 × (20 ÷ 35) = £126.40.
- Annual = £126.40 × 52 = £6,572.57.
And with only 8 qualifying years you are below the 10-year minimum, so the new State Pension pays £0.
| Qualifying years | Weekly | Annual |
|---|---|---|
| 10 | £63.20 | £3,286 |
| 20 | £126.40 | £6,573 |
| 30 | £189.60 | £9,859 |
| 35 (full) | £221.20 | £11,502 |
Notes and limitations
This calculator uses the clean 35-year proportional rule, which is exact for people whose entire NI record falls under the post-2016 new State Pension system. If you have contributions before 6 April 2016, were ever contracted out of the additional State Pension, or fall under the transitional “starting amount” rules, your real figure can be higher or lower. For your personal, official forecast — including your State Pension age and any gaps you could fill — use the government service at gov.uk/check-state-pension.
Frequently asked questions
How much is the full new UK State Pension in 2024/25?+
The full new State Pension is £221.20 per week in the 2024/25 tax year, which is about £958.53 per month or £11,502 per year. You normally need 35 qualifying National Insurance years to receive the full amount.
How many National Insurance years do I need for a full State Pension?+
You normally need 35 qualifying years of National Insurance contributions or credits to get the full new State Pension. You need at least 10 qualifying years to get anything at all, and between 10 and 34 years you get a proportional amount.
How is a partial State Pension worked out?+
If you have between 10 and 34 qualifying years, your weekly pension is the full rate multiplied by your years divided by 35. For example, 20 years gives £221.20 × (20 ÷ 35) = about £126.40 per week.
Do extra National Insurance years above 35 increase my pension?+
No. The new State Pension is capped at the full rate once you reach 35 qualifying years, so additional years do not increase it. They may still matter if you were contracted out before 2016 and have not yet reached the full amount.
Why might my actual State Pension differ from this estimate?+
This calculator uses the simple 35-year rule for people whose National Insurance record is entirely under the post-2016 system. Pre-2016 contributions, contracting-out and the transitional 'starting amount' can change the figure. Always check your personal forecast at gov.uk/check-state-pension.