UK Pension Calculator
Work out your State Pension forecast from your NI record, pension tax relief, contribution allowances, lump sum cap, and DB transfer values — all with current UK figures.
Full new State Pension 2026/27: £241.30 per week (£12,547.60/year). Each NI qualifying year = 1/35 of full. Under 10 years = nothing. This site has separate calculators for tax relief, auto-enrolment, the SIPP allowance, taper, 25% lump sum, NI top-up, replacement ratio and DB CETV.
How it works.
Forecast in 4 steps:
- Find your NI qualifying years (free at gov.uk/check-state-pension).
- Below 10 years: no entitlement.
- 10 to 35: years ÷ 35 × £241.30/week.
- 35+: full £241.30/week. Extra years don't increase it.
Worked examples
35 NI years → full £241.30/week (£12,547.60/year).
30 NI years → £206.83/week (£10,755/year) — 30/35 of full.
Under 10 years → £0. Consider Class 3 voluntary contributions — see NI top-up.
Sources:
gov.uk State Pension · gov.uk Check your State Pension forecast
· retrieved 2026-05-14.
Frequently asked questions
How much State Pension will I get?
Multiply your NI qualifying years by £241.30 (2026/27 weekly rate), divide by 35. Example: 30 years → 30 ÷ 35 × £241.30 = £206.83/week, about £10,755/year.
Why has the State Pension gone up?
Triple-lock: rises by the higher of CPI, wage growth, or 2.5%. The 2026/27 increase of 8.5% was driven by autumn 2025 wage-growth data.
What about my private pension?
Separate from the State Pension. Workplace pensions (auto-enrolment) plus any SIPP. Use the contribution and tax-relief calculators here, and check projected drawdown via the 25% lump sum + replacement ratio pages.
Can I work and claim State Pension?
Yes — no earnings limit. But you'll pay income tax on the total (and stop paying NI from State Pension age).