State Pension Calculators

Free tools to help you understand your State Pension entitlement. All calculators use current government rules and provide instant estimates.

Calculator illustration
Important: These calculators provide estimates only. For your official State Pension forecast, visit gov.uk/check-state-pension. All calculations are based on current legislation and may change.

State Pension Age Calculator

Find out when you can claim your State Pension based on your date of birth. Accounts for the gradual increase from age 66 to 67.

Enter: Your date of birth
Get: Your exact State Pension age

Qualifying Years Calculator

Estimate your State Pension amount based on how many qualifying years you have or expect to have by State Pension age.

Enter: Number of qualifying years
Get: Weekly and annual pension estimate

Deferral Calculator

Calculate how much extra you could get by deferring your State Pension claim. Includes break-even analysis to help you decide.

Enter: Weeks to defer, current pension
Get: Increased amount, break-even point

Voluntary NI Calculator

Work out if buying voluntary National Insurance contributions makes financial sense. See the cost, benefit, and break-even analysis.

Enter: Years to buy, NI class
Get: Total cost, pension increase, ROI

How These Calculators Work

Accurate and Up-to-Date

All calculators use:

  • Current State Pension rates (2025/26: £230.25 per week full rate)
  • Official government rules for pension age transitions
  • Actual deferral increase rates (approximately 5.8% per year)
  • Current voluntary contribution rates

Privacy-Respecting

All calculations happen in your web browser:

  • Your inputs are never sent to any server
  • We don't store or track your calculations
  • No registration or personal information required
  • Use them as many times as you like

For Estimates Only

These calculators provide helpful estimates but cannot account for:

  • Contracted-out pension deductions
  • Protected payments from the old system
  • Individual National Insurance record complexities
  • Future changes to State Pension rules
Official Forecast Required: For an accurate calculation of your entitlement, always check your official State Pension forecast at gov.uk/check-state-pension. Our calculators are for planning and estimation only.

Understanding the Results

State Pension Age

Shows exactly when you can claim based on government legislation. Remember you can:

  • Work beyond this age (and stop paying NI)
  • Defer claiming to increase your amount
  • Claim while still working if you wish

Qualifying Years Amount

Shows your proportional entitlement. Key points:

  • Need 10 years minimum to get anything
  • Need 35 years for the full amount
  • Each year adds approximately £6.58 per week

Deferral Increase

Shows the trade-off between claiming now vs. later:

  • Approximately 5.8% increase per year deferred
  • Increase is permanent (for life)
  • Break-even shows when you recover deferred payments

Voluntary Contributions

Shows whether filling gaps is worthwhile:

  • Costs £923 per year (Class 3 for 2025/26)
  • Only makes sense if it increases your pension
  • Calculate break-even to assess value

Next Steps