State Pension Forecast Calculator
How much State Pension will I get in 2026/27?
The full new State Pension rate is £241.30 a week in 2026/27, but your amount depends on your record. The 35-year formula is not universal for pre-2016 NI records. Use GOV.UK for your personal forecast; this tool converts an official amount or illustrates post-2016-only scenarios.
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Check your official forecast for the amount based on your NI record and any conditions attached to future years. This page does not access your record or calculate pre-2016 starting amounts.
Enter an official weekly figure for budgeting equivalents, or explicitly choose the simplified mode for a record with no NI years before 6 April 2016. Future years are entered separately and never assumed automatically.
Choose how to model the amount
Choose either the amount based on your record so far or a forecast conditional on future years. We convert the amount you enter; we do not add future years again. Amounts above the standard full rate are preserved.
Full new State Pension in 2026/27: £241.30 a week. This is a reference rate, not an award to every person.
Your entered amount, converted
Enter a weekly amount from your official forecast or award to see payment equivalents. No personal entitlement is assumed.
Qualifying-year examples: post-2016-only records
These hypothetical totals illustrate the 2026/27 full new State Pension rate for someone with no NI record before 6 April 2016. They are not a general entitlement table for people with pre-2016 service. At this review date, larger totals necessarily include future years.
| Total years | Weekly | Every four weeks | 52-week annual equivalent |
|---|---|---|---|
| 10 | £68.94 | £275.76 | £3,584.88 |
| 15 | £103.41 | £413.64 | £5,377.32 |
| 20 | £137.89 | £551.56 | £7,170.28 |
| 25 | £172.36 | £689.44 | £8,962.72 |
| 30 | £206.83 | £827.32 | £10,755.16 |
| 35 | £241.30 | £965.20 | £12,547.60 |
The simplified model gives zero below ten years and caps standard entitlement at 35. Overseas coordination and other exceptions are excluded. Weekly illustrations round to the nearest penny before conversion, so they may differ slightly from a DWP calculation. Protected payments and deferral can produce amounts above the standard rate.
How to read your State Pension forecast
Reviewed 16 October 2026. The full new State Pension rate is a benchmark. Your personal amount can depend on pre-2016 rights, contracted-out periods, qualifying years, overseas rules and protected payments. People who reached State Pension age before 6 April 2016 are under the older system and should use their official award.
Your official forecast can distinguish the amount based on your record so far from an amount conditional on future qualifying years. If you stop working, check the conditions rather than assuming the headline forecast still applies. NI credits may count in some circumstances; a gap does not automatically mean a payment is necessary.
Official-amount mode converts the weekly amount you select without changing it to the standard full rate or adding further years. Post-2016-only mode is a narrow mathematical illustration: below ten years it shows zero; otherwise it uses £241.30 × qualifying years ÷ 35, capped at the standard full rate. It assumes no overseas coordination or other exceptions.
Worked example: no automatic future years
For a record with no NI years before April 2016, ten completed qualifying years and zero future years gives £68.94 a week in this illustration. Entering five additional future qualifying years gives £103.41 a week. Those five years are an assumption you choose, not years credited by this website.
Worked example: budgeting from an official amount
Entering £200 a week gives £800 every four weeks, £10,400 over 52 weeks and a £866.67 monthly budget equivalent, all before tax. Four-weekly payment dates move through the calendar; the monthly equivalent is not a payment schedule.
No date of birth is used to invent future contributions. Use the official pension-age checker for your precise date, and the official forecast for the years that could improve your amount. Future uprating and deferral are not projected here.
Check whether filling a gap will help
Start with your NI record and official forecast. A missing year may already be coverable by credits, may not increase your pension or may be affected by transitional rules. A standard extra year is not guaranteed to add £241.30 ÷ 35 in every case.
The published 2026/27 Class 3 rate is £18.40 a week. A simple 52-week illustration is £956.80, but that is not a quote for a particular gap: original-year rates can apply to some recent years, and partial gaps may cost less. The normal six-year payment window has a 5 April deadline. The historical extension ending 5 April 2025 has expired.
There is no universal payback period. Cost, extra pension actually gained, tax, benefits and how long payments are received all matter. This page makes no recommendation to buy years. Read GOV.UK voluntary NI guidance, check current rates and payment deadlines, and confirm whether paying would increase your entitlement.
Once your amount and start date are confirmed, include them in your retirement budget. This page does not review the separate pension-age, deferral or pension drawdown engines.
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