HMLR Calculator

State Pension Calculator

Estimate your State Pension for 2025/26 based on your National Insurance contributions and eligibility, using official UK government guidelines.

State Pension Calculator

Enter the number of years you’ve paid National Insurance contributions (0–50).

Enter your current age to check pension eligibility.

Select if you’ve accrued additional pension (e.g., SERPS or S2P).

How to Use the State Pension Calculator

Follow these steps to estimate your UK State Pension for 2025/26:

Enter your National Insurance qualifying years (check your NI record on GOV.UK).
Input your current age to verify pension eligibility.
Select your preferred pension payment frequency (weekly, 4-weekly, or annually).
Indicate if you have an additional State Pension (e.g., SERPS or S2P).
Click "Calculate" to view your estimated pension and eligibility details.

Get a reliable estimate of your State Pension based on UK government rules for 2025/26.

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Features of Our State Pension Calculator

Estimates pension based on 2025/26 New State Pension rates.
Accounts for National Insurance qualifying years accurately.
Checks eligibility based on age and State Pension age rules.
Includes additional pension estimates for SERPS/S2P.
Flexible frequency options (weekly, 4-weekly, annually).
Responsive design for seamless use on any device.

Frequently Asked Questions

What is the UK State Pension?

The State Pension is a regular payment from the UK government to eligible individuals who have reached State Pension age, based on their National Insurance contributions.

How many NI years do I need for a full pension?

You typically need 35 qualifying years of National Insurance contributions to receive the full New State Pension in 2025/26.

What is the State Pension age?

The State Pension age is currently 66, rising to 67 between 2026–2028. Check your exact pension age on GOV.UK.

What is SERPS or S2P?

SERPS (State Earnings-Related Pension Scheme) and S2P (State Second Pension) are additional pensions accrued by some workers before 2016, depending on their employment history.