State Pension Calculator

Free UK Calculator

State Pension Calculator UK

Calculate your state pension entitlement and explore deferral benefits.

Free, accurate calculator with no signup required.

State Pension Calculator

Enter your details below to calculate your state pension entitlement and explore the benefits of deferral:

Enter Your Details

Currently 68 for most people

Full pension requires 30 years

Increases by 5.8% per year

£

Years until pension: 6

Full State Pension

£11,502

per year (2024/2025)

Your State Pension

£11,502

Full entitlement

Monthly Amount

£958.5

per month

Net After Tax

£11,502

Effective tax rate: 0.00%

Payment Timeline

Age now:62
State pension age:68
Years until pension:6

Disclaimer: This calculator provides estimates for informational purposes only. It does not constitute financial advice. State pension entitlements may vary based on individual circumstances. Always check with the UK State Pension Service or a qualified financial advisor for accurate information.

How to Use

Getting Started

1

Enter Your Information

Provide your age, contribution years, and state pension age

2

Explore Options

See your entitlement and deferral benefits

3

Compare Scenarios

Check tax implications and break-even analysis

Key Information

30 years NI contributions for full pension
Deferral increases pension by 5.8% per year
Current full state pension: £11,502/year
State pension age: currently 68

Frequently Asked Questions

What is the full state pension amount?
For 2024/2025, the full state pension is £11,502 per year (£958.50 per month) for someone with 30 years of National Insurance contributions.
How many years do I need to contribute?
You need 30 years of National Insurance contributions to receive the full state pension. If you have fewer years, your pension is reduced proportionally.
What is state pension deferral?
Deferral means choosing to delay claiming your state pension. For each year you defer, your pension increases by approximately 5.8%. This can be beneficial if you expect to live a long life.
Is state pension taxable?
Yes, state pension is subject to income tax if your total income exceeds the personal allowance (£12,570 in 2024/2025). However, it's not subject to National Insurance.
What is the current state pension age?
The state pension age is currently 68 for both men and women. However, the Government regularly reviews this and may increase it further.