UK State Pension Calculator 2024/25

Calculate your UK State Pension forecast based on NI qualifying years. Full pension: £221.20/week (£11,502/year) with 35 qualifying years. Minimum 10 years for any pension entitlement.

Your NI Record

Check your record at Personal Tax Account (GOV.UK)
State Pension age is currently 66

Pension Forecast

20 qualifying years57.1% of full pension
010 (min)35 (full)
Weekly pension
£126.40
Monthly pension
£547.73
Annual pension
£6,572.80
15 years to full pension — adding more qualifying years increases your pension by £6.32/week each year.
Full pension (35 years)£221.20/week
Full pension annual£11,502.40/year
Your forecast weekly£126.40/week

Come utilizzare UK State Pension Calculator

Check your NI qualifying years

Log into your Personal Tax Account on GOV.UK (via HMRC) to see your National Insurance record. It shows qualifying years and any gaps you can fill.

Enter your qualifying years

A qualifying year is any tax year where you paid or were credited with enough National Insurance contributions. You need 35 years for the full pension.

Understand the result

With fewer than 10 qualifying years you get nothing. Between 10-34 years you get a proportion. 35+ years gives the full £221.20/week (2024/25 rate).

Fill NI gaps

You can voluntarily pay Class 3 NI contributions to fill gaps in your record. The deadline for filling gaps back to 2006 was April 2025 — check HMRC for current rules.

Suggerimenti

  • Check your State Pension forecast on GOV.UK — it shows exactly how much you are on track to receive.
  • Deferring your State Pension (taking it later than pension age) increases it by about 1% for every 9 weeks you defer.
  • If you have caring responsibilities, claim Child Benefit even if you earn too much — the NI credits protect your pension record.
  • Voluntary Class 3 NI contributions cost £824.20 per year (2024/25) and can be very cost-effective if you have gaps.

Domande frequenti

What is the full New State Pension in 2024/25?

The full New State Pension is £221.20 per week (2024/25), which equals £11,502.40 per year. It applies to those who reached State Pension age on or after 6 April 2016.

What is the UK State Pension age?

Currently 66 for both men and women. It is planned to rise to 67 between 2026 and 2028, and potentially to 68 in the 2040s. Check your personal State Pension age on the GOV.UK checker.

How do I get National Insurance credits without working?

NI credits can be received for: Child Benefit (until child turns 12), carer's credits, statutory sick/maternity pay, Universal Credit, Jobseeker's Allowance. These count as qualifying years even without paying NI.

What is the difference between Basic and New State Pension?

The "New State Pension" applies to those reaching pension age after 6 April 2016 (men born after 5 April 1951, women after 5 April 1953). The "Basic State Pension" applies to older cohorts and has different rules (full rate: £169.50/week 2024/25).