State Pension Calculator
Check when you'll get your State Pension and estimate how much you'll receive
Last updated: August 2026 · 2026/27 (full new rate £241.30/week from 6 April 2026)
Date of Birth
Current age: 46
NI Record
Check at gov.uk/check-state-pension
Workplace pension pre-2016
Your State Pension Age
68 years
Claim from June 2048
Time until pension
22 years
On Track for Full Pension!
35 qualifying years = 100%
Qualifying Years Progress
20
Complete
+15
To Add
Triple Lock
State Pension rises each April by the highest of:
2.5%
Minimum
CPI
Inflation
Wages
Earnings
Understanding State Pension
Key Facts
- • Full rate: £241.30/week (2026/27)
- • Need 35 years for full amount
- • Need 10 years minimum to qualify
- • Paid every 4 weeks
Qualifying Years
- • Work and earn at or above the NI Lower Earnings Limit, £6,708/year
- • Get NI credits (caring, unemployed)
- • Claim Child Benefit for under 12s
- • Pay voluntary contributions
Automatic Credits
- • Child Benefit (child under 12)
- • Carer's Allowance
- • Jobseeker's Allowance
- • Employment and Support Allowance
Apply For
- • Grandparent Childcare Credits
- • Carer's Credit (20+ hrs/week)
Rates shown for 2026/27 (£241.30/week full new State Pension, from 6 April 2026)
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Reviewed by
Alexandre Bernier, LLM (UK), CFP®, CIM®, PFP®. Financial planner with 18 years in banking and wealth management, holding a UK master of laws and the Canadian CFP®, CIM® and PFP® designations. Writes and reviews every calculator and article on FinanceToolz.
Last updated: August 2026. How figures are sourced, reviewed and corrected is set out in our editorial policy. This is general information, not regulated financial advice.
Sources
Every rate and threshold used by this calculator is taken from the official pages below. If a figure here disagrees with one of these, the official page is right, please tell us.