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State Pension

Age • Amount • Voluntary NI • Pension Credit • 2026/27

Official GOV.UK Pension Credit Official GOV.UK Voluntary NI Official GOV.UK Age

RISE TO 67 LIVE

Updated April 2026 • Now includes Pension Credit eligibility estimator

Your State Pension age, amount, voluntary NI boost and Pension Credit eligibility

Enter your date of birth for exact claim date, personalised pension estimate, voluntary NI options (Class 2 & 3) and a quick Pension Credit check.

Your Birth Date

2026/27 rules

DATE OF BIRTH

YOUR STATE PENSION AGE

You can claim from

Your current age

Full New State Pension (2026/27)

£241.30

per week • 35 qualifying years

Estimate your weekly State Pension

35 years

Qualifying National Insurance years 35

0 35 (full) 45+

WEEKLY

£241.30

MONTHLY

£1,045.63

ANNUAL

£12,547.60

Voluntary NI Contributions

Check your NI record →

Class 3 (£18.40/week) is available to most people and the standard way to fill gaps in your NI record.

Your current qualifying years

from estimator above

How many extra years do you want to buy? (max 6)

0 0 years 6

Total one-off cost

£0.00

at £956.80 per year (Class 3)

Extra weekly pension

£0.00

for life (same for both classes)

Breakeven: Each year bought adds ~£358/year for life. At Class 3 rates you usually break even in under 3 years of claiming.

Pension Credit Eligibility

Claim on GOV.UK →

You can claim Pension Credit from the same date as your State Pension (your calculated claim date above). It tops up your weekly income to the minimum guarantee: £238.00 (single) or £363.25 (couple) in 2026/27.

Marital status / living arrangement

Your other weekly income (excluding State Pension)

£ / week

Capital / savings (e.g. bank accounts, ISAs, shares) £10,000

£0 £10k (disregarded) £50k+

ESTIMATED PENSION CREDIT TOP-UP

£0.00 / week

Guarantee level: £238.00 (single)

LIKELY ELIGIBILITY

You may qualify

Pension Credit is means-tested. This is an estimate only.

First £10,000 capital is disregarded. Above that, £1/week is counted for every £500 (or part). Housing costs, disability or caring can increase the guarantee amount.

Get your official forecast

Independent calculator • Official 2026/27 rates (State Pension £241.30, Pension Credit guarantee £238 single / £363.25 couple) • Always verify with GOV.UK

UK Pension Age Timetable (2026)

Born before 6 Apr 1960

Born 6 Apr 1960 – 5 Mar 1961 66 + 1 to 11 months

+1m

+11m

Born 6 Apr 1961 – 5 Apr 1977

Born 6 Apr 1977 – 5 Apr 1978 67 + 1 to 11 months

Born on/after 6 Apr 1978

Next review (age 68 in 2044–46) underway

Pension Credit – extra help at State Pension age

Tops up low income to £238/week (single) or £363.25 (couple)

Same claim date as your State Pension

Also unlocks free prescriptions, Council Tax Reduction & more

100% free • Offline • No tracking • Official 2026 rates