UK State Pension calculator 2026/27
Estimate your new State Pension from your qualifying years, see your State Pension age and how much more you need to save.
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Popular questions
How much will my pension be in the UK?
Enter your age, your contribution years and your salary in the calculator above. For example, a 40 year old earning 39,000 GBP per year who keeps working until 68 can expect about 1,046 GBP net per month in today's money.
At what age can I retire in the UK?
For someone aged 40 today the statutory retirement age is 68. Retiring earlier usually reduces the pension, and working longer increases it.
How is the state pension calculated in the UK?
State Pension age is 66, rising to 67 for people born from March 1961 and to 68 for people born from April 1978 under current law. Full new State Pension: 241.30 GBP per week (12,547.60 GBP a year) with 35 qualifying years. Weekly amount = 241.30 GBP x qualifying years / 35, minimum 10 years. Deferring increases the pension by 1% for every 9 weeks.
How much should I save for retirement in the UK?
With a salary of 39,000 GBP per year, the estimated pension covers about 32.2% of your gross salary. To reach 70% you would need to save about 426 GBP per month, assuming a 3% real return.
How the pension is calculated in the UK
The new State Pension is a flat weekly amount of 241.30 GBP in 2026/27 for people with 35 qualifying years of National Insurance. With fewer years you get a proportional share, and you need at least 10 years for any State Pension. Your salary does not change the amount, but workplace pensions through auto-enrolment add to it.
- State Pension age is 66, rising to 67 for people born from March 1961 and to 68 for people born from April 1978 under current law.
- Full new State Pension: 241.30 GBP per week (12,547.60 GBP a year) with 35 qualifying years.
- Weekly amount = 241.30 GBP x qualifying years / 35, minimum 10 years.
- Deferring increases the pension by 1% for every 9 weeks.
Examples for 2026
Person aged 40 with 15 years of contributions, retiring at the statutory age, amounts per month in today's money.
| Gross salary | Gross pension | Net pension | Share of salary |
|---|---|---|---|
| 30,000 GBP | 1,046 GBP | 1,046 GBP | 41.8% |
| 39,000 GBP | 1,046 GBP | 1,046 GBP | 32.2% |
| 60,000 GBP | 1,046 GBP | 1,046 GBP | 20.9% |
Minimum pension and retirement age
The full new State Pension is 241.30 GBP per week in 2026/27. Pension Credit tops up income to 238.00 GBP per week for a single person.
Frequently asked questions
What is the minimum pension in the UK?
The full new State Pension is 241.30 GBP per week in 2026/27. Pension Credit tops up income to 238.00 GBP per week for a single person.
What does the calculator not include?
Contracted-out deductions, NI credits, voluntary contributions, Pension Credit, workplace and private pensions are not included.
Is this an official pension calculation?
No. It is an informational estimate based on 2026 rules published by the official sources listed on this page. For your exact entitlement, check your personal pension statement or ask the pension authority.
Sources and disclaimer
These results are an informational estimate in today's money. We use the 2026 rules and amounts published by the institutions below and check them when the rules change. Real pensions depend on your full insurance record. Contracted-out deductions, NI credits, voluntary contributions, Pension Credit, workplace and private pensions are not included.