Personal Details
Pension Inputs
You need 35 qualifying years for the full State Pension
From your current age (30) to your retirement age (67)
Triple Lock Rate
Change the scenario or set custom rates in the UK Rates Table to update this automatically.
Your Projected State Pension
A State Pension age of 68 for those born from 1977 is proposed but not yet confirmed in legislation. Check gov.uk for the latest.
Important Notes
- State Pension age depends on your date of birth and may change with future legislation
- Qualifying years include employment, self-employment, and National Insurance credits
- Triple lock guarantee protects the pension's real value over time
- Check your NI record at gov.uk for an accurate qualifying year count
Synopsis
This calculator projects your UK State Pension based on your National Insurance qualifying years — you need 35 years of contributions or credits for the full amount, with the total scaled down proportionally if you have fewer. It applies the triple lock, which increases the pension each year by whichever is highest of inflation, average wage growth, or a 2.5% minimum, and works out your State Pension age from your estimated birth year under current rules. The projection also flags if you plan to retire before your State Pension starts, since qualifying years stop accruing at retirement but payments don't begin until State Pension age. Your State Pension combines with any Workplace Pension or DB Pension income in your Financial Summary, giving you the full picture of retirement income from all sources.