State Pension Calculator
Check when you'll get your State Pension and estimate how much you'll receive
Last updated: February 2026
Date of Birth
Current age: 45
NI Record
Check at gov.uk/check-state-pension
Have gaps in record?
Contracted out?
Workplace pension pre-2016
Your State Pension Age
68 years
Claim from June 2048
Time until pension
22 years
Weekly
£230.25
Full: £230.25
Monthly
£998
Yearly
£11,973
Full: £11,973
On Track for Full Pension!
35 qualifying years = 100%
Qualifying Years Progress
35 of 35 years100%
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: £230.25/week (2025/26)
- • Need 35 years for full amount
- • Need 10 years minimum to qualify
- • Paid every 4 weeks
Qualifying Years
- • Work and earn above £6,396/year
- • Get NI credits (caring, unemployed)
- • Claim Child Benefit for under 12s
- • Pay voluntary contributions
Rates shown for 2025/26 (£230.25/week full rate)