State Pension Age Calculator UK 2025 — When Can I Claim & How Much Will I Get?
The State Pension age is currently 66 for both men and women. It is rising to 67 between 2026–2028 and further increases to 68 are under review. Use this calculator to find your State Pension age, estimate your weekly pension, and see how NI gaps could affect your amount.
New State Pension 2025/26: £221.20/week (£11,502/year). Requires 35 qualifying NI years for full amount; 10 years minimum to receive any pension. Contracted-out deductions may apply. Always check your personal forecast at gov.uk/check-state-pension.
State Pension Rates 2025/26
| Pension type | Weekly rate | Annual |
|---|---|---|
| Full new State Pension (post-2016) | £221.20 | £11,502.40 |
| Full basic State Pension (pre-2016) | £169.50 | £8,814.00 |
| Minimum to receive any pension | 10 qualifying NI years | |
| Years needed for full new pension | 35 qualifying NI years | |
State Pension Age Timetable
| Date of birth | State Pension age |
|---|---|
| Before 6 Dec 1953 (women) / 6 Dec 1953 (men) | 60 (women) / 65 (men) — old rules |
| Up to 5 April 1960 | 66 |
| 6 April 1960 – 5 April 1977 | 66–67 (transitional — rising) |
| 6 April 1977 – 5 April 1978 | 67 |
| After 5 April 1978 | 67 (or 68 — under review) |
Filling Gaps in Your NI Record
You can pay voluntary Class 3 National Insurance contributions to fill gaps in your NI record and increase your State Pension. The current rate is £17.45 per week (£907.40 per year) for 2025/26. Given the State Pension pays £221.20/week, filling one year of NI gaps typically costs around £907 but adds approximately £6.32/week (£328/year) to your pension — paying back in under 3 years. Gaps from 2006–2018 could be filled at a reduced rate until April 2025 — this deadline has now passed.