State Pension age and amount

How it works

Enter your date of birth and the calculator finds your State Pension age, and the day you reach it, from the timetable in law. Enter your qualifying years of National Insurance and it estimates what the new State Pension would pay: 1/35th of the full amount for each year, once you have at least 10. If you’re still working, or getting National Insurance credits, each year until State Pension age adds one more, up to 35.

It’s an estimate in today’s money. Your official forecast on gov.uk is the figure to rely on.

The UK rules it uses

• Born 6 October 1954 to 5 April 1960: State Pension age is 66.
• Born 6 April 1960 to 5 March 1961: between 66 and 67 — 66 and 1 month for those born 6 April to 5 May 1960, one month more for each month after, up to 66 and 11 months.
• Born 6 March 1961 to 5 April 1977: 67.
• Born 6 April 1977 to 5 April 1978: a set date between 6 May 2044 and 6 March 2046, as the age rises to 68.
• Born on or after 6 April 1978: 68, under current law. A government review launched in 2025 is looking at the timetable again, so this could change.
• The full new State Pension is £241.30 a week in 2026/27, for 35 qualifying years; you need at least 10 to get any. It rises each year by the triple lock.

A worked example

Someone born on 15 June 1975 reaches State Pension age at 67, on 15 June 2042. With 22 qualifying years so far and 15 more years of work to come, they’d reach the 35 for the full £241.30 a week. If they stopped work now, 22 years would give about £151.67 a week — £7,887 a year.

At the boundaries: born 5 April 1960, it’s 66, on 5 April 2026; born a day later, 6 April 1960, it’s 66 and a month, on 6 May 2026. Born 6 March 1961, it’s 67 on 6 March 2028; born 6 April 1978, it’s 68.

Questions people ask

Why might my forecast be different?

If you have National Insurance years from before April 2016, your starting amount was worked out under the old rules too. Many people who were contracted out — in a workplace or public-sector pension — get less than this calculation, and a few get more.

Can I fill gaps in my National Insurance record?

Usually you can pay voluntary contributions for gaps in the last six years. Check your forecast first: it shows whether a year would raise your State Pension.

Will State Pension age go up to 68 sooner?

Under current law, it rises to 68 between 2044 and 2046. An earlier review suggested bringing that forward to 2037–2039, but that was never made law, and a new review is under way. The calculator will follow the law if it changes.