State Pension Estimator

Calculate your entitlement from qualifying NI years

The new State Pension is based on your National Insurance qualifying years. See how many you have, how many you need, and whether deferring your claim is worth it.

This calculator provides information and guidance only. It does not constitute regulated financial advice under the Financial Services and Markets Act 2000. Outputs are illustrative and based on current assumptions — they are not a prediction of future returns or outcomes. Tax rules, allowances, and legislation may change. Please consult a regulated financial adviser before making significant financial decisions.

Estimated weekly State Pension

£241.30/week

£12,548/year

NI qualifying years35 of 35 years

100% of full State Pension

Entitlement comparison

Scenario	Weekly	Annual
Current (20 years)	£137.89	£7,170
Projected (35 years)	£241.30	£12,548
Full State Pension (35 years)	£241.30	£12,548

Cumulative income age 66–90

Line chart showing cumulative State Pension income from age 66 to 90 for current, projected, and deferred scenarios
Label	Value
Current entitlement at age 90	£179,251
Projected at age 90	£313,690
With deferral at age 90	£313,690

Read our article: How much do you need to retire?

Your details

Current age

Qualifying NI years to date20 years

0 years35 years

Check your record at gov.uk/check-your-state-pension-forecast

Expected future NI years

How many more years you expect to contribute

Deferral beyond age 660 years

0 years5 years

Delay claiming to get a higher weekly amount

Scottish income tax rates

Applies to residents of Scotland only

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This calculator provides estimates for guidance only. Results are illustrative and do not constitute financial advice. Always verify figures with a qualified adviser.