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UK Pension Calculators & Guides
Choose the pension calculator that matches your employment type. All tools are updated for 2026/27 rates and completely free to use.
⭐ Most Popular
State Pension Calculator
Calculate your New State Pension based on your NI qualifying years. See weekly, monthly and annual amounts, how many more years you need, and your % of the full entitlement.
Public Sector
NHS Pension Calculator
NHS 2015 CARE scheme calculator — 1/54th accrual, employer 23.7% contribution, McCloud remedy, and retirement lump sum options for NHS employees.
Public Sector
Teachers Pension Calculator
Calculate your Teachers' Pension under the 2015 Career Average scheme — 1/57th accrual, CPI revaluation, employer 28.68% contribution and commutation options.
Public Sector
Police Pension Calculator
Police Pension Scheme 2015 calculator — 1/55.3th accrual, 13.44% employee contribution, ill-health retirement and commutation options for UK police officers.
Public Sector
Armed Forces Pension Calculator
AFPS 15 calculator — 1/47th accrual, zero employee contributions, Early Departure Payment (EDP) at age 40/20 years, and commutation for UK military personnel.
Auto Enrolment
Workplace Pension Calculator
Project your defined contribution workplace pension pot using compound growth. Enter salary, contribution %, investment rate, and years to retirement for a full projection.
Combined Tool
Total Retirement Income Calculator
Combine State Pension + workplace pension + private income into a single annual and monthly figure, benchmarked against PLSA retirement living standards (Min / Moderate / Comfortable).
Full Guide
UK Pension Rules & Eligibility
Complete 2026/27 guide — State Pension age changes, annual allowance (£60,000), tax-free lump sum rules, auto-enrolment thresholds, and pension access age (rising to 57 in 2028).
How-To
How to Calculate Your State Pension
Step-by-step guide to calculating the New State Pension manually — NI record lookup, qualifying year formula, contracting out deductions, and deferral boosts explained clearly.
Why Use Our Tools
Accurate, Free, & Always Up to Date
Every calculator is built to reflect the latest HMRC, DWP, and scheme-specific rules for the current tax year.
Updated for 2026/27
All tools reflect the April 2026 triple lock 4.8% rise, updated State Pension age (66→67 now in progress), £60,000 annual allowance, and current scheme contribution rates.
Scheme-Specific Accuracy
Each public sector calculator uses the correct accrual rate, employer/employee contributions, revaluation method, and retirement age for that specific scheme — not a generic estimate.
Mobile Friendly
Every tool is fully responsive and works perfectly on mobile, tablet, and desktop — no app download, no account, no personal data stored. Just enter your details and get results instantly.
Completely Free
All calculators and guides on StatePensionCalc.co.uk are 100% free to use. No subscription, no hidden fees, no email required. Bookmark this page and return whenever you need an update.
Plain English Guides
Every calculator is paired with a comprehensive guide explaining how the pension works, what the numbers mean, and what actions you can take — no jargon, just clear and helpful information.
Instant Results
Results update in real time as you type. No waiting, no page refreshes. Animated output with clear breakdowns, personalised tips, and scenario comparisons built into every tool.
2026/27 Key Pension Rates at a Glance
All calculators use these official rates, updated from 6 April 2026
£241.30
Full New State Pension / week
+4.8% triple lock
£12,548
Full State Pension / year
+£471/yr vs 2025/26
£60,000
Annual pension allowance
Unchanged
£268,275
Tax-free lump sum cap (LSA)
Unchanged
67
State Pension age (rising)
Was 66 — now rising
55 → 57
Pension access age (Apr 2028)
Currently still 55
8%
Min total auto-enrolment
3% employer + 5% employee
£10,000
Auto-enrolment earnings trigger
Unchanged
How Is the New State Pension Calculated?
The New State Pension is calculated purely on the number of qualifying National Insurance years you have built up. You need a minimum of 10 years to receive anything, and 35 years for the full amount. Each qualifying year adds £6.89/week (£358/year) in 2026/27.
The formula is simple: divide the full State Pension (£241.30/week) by 35, then multiply by your qualifying years. For example, 25 NI years = (£241.30 ÷ 35) × 25 = £172.36/week.
- Working and paying NI — any year earning £6,500+ counts
- Child Benefit credits — claiming for a child under 12 protects your record
- Carer's Credit — if you care for someone 20+ hours/week
- Voluntary NI — fill gaps at ~£824/year (Class 3)
State Pension by NI Qualifying Years (2026/27)
10 years (minimum)£68.94/wk · £3,585/yr
15 years£103.41/wk · £5,377/yr
20 years£137.89/wk · £7,170/yr
25 years£172.36/wk · £8,963/yr
30 years£206.83/wk · £10,755/yr
35 years (full)£241.30/wk · £12,548/yr
2026/27 · New State Pension · Triple lock +4.8% · £241.30/week full rate
Common Questions
Frequently Asked Questions
Quick answers to the questions we get most often about UK pensions in 2026/27
The full New State Pension from April 2026 is £241.30 per week — equivalent to £12,548 per year or £1,045 per month. This is a 4.8% increase under the triple lock guarantee, driven by average earnings growth. It applies to anyone who has at least 35 qualifying NI years and reached State Pension age after 6 April 2016.
From 6 April 2026, State Pension age began rising from 66 to 67. If you were born before 6 April 1960, your State Pension age is 66. If born between 6 April 1960 and 5 April 1977, your State Pension age is somewhere between 66 and 67 depending on your exact birth date — the transition completes in April 2028. Those born after 5 April 1977 will have a State Pension age of 67. Check your exact date at gov.uk/state-pension-age.
You need 35 qualifying National Insurance years for the full New State Pension of £241.30/week. The minimum to receive any pension is 10 qualifying years. Each year adds £6.89/week (£358/year). You can check your NI record at gov.uk/check-national-insurance-record and your State Pension forecast at gov.uk/check-state-pension.
The standard pension annual allowance for 2026/27 is £60,000 — this is the maximum total pension input (employee + employer contributions + tax relief) that benefits from tax relief in a single tax year. High earners above £200,000 threshold income face a tapered allowance down to a minimum of £10,000. Those who have already taken flexible pension income face a lower Money Purchase Annual Allowance of £10,000.
Yes — private and workplace pensions can be accessed from age 55 (rising to 57 from April 2028), which is separate from and earlier than State Pension age. You do not have to be retired to access your private pension. The State Pension itself can only be claimed from your State Pension age. Accessing any pension before age 55 is almost always a sign of fraud — be very careful.