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Create accountState Pension Calculator
Forecast your new state pension based on your National Insurance record, and find out if buying missing years is worth it.
Your Details
NI Qualifying Years Progress
35 of 35 years100% of full pension
Min: 10 yearsFull: 35 years
Without Voluntary Contributions
Weekly Pension
£221
Monthly
£959
Annual
£11,502
35 qualifying years (100% of full)
With Voluntary Contributions
Weekly Pension
£221
Monthly
£959
Annual
£11,502
35 qualifying years (100% of full)
State Pension Age
68
38 years from now
Eligibility
Eligible
Minimum 10 NI years required
Full Pension Rate
£221/wk
£11,502/year (2026/27)
Voluntary Contribution Analysis
Cost to Fill 2 Gaps
£0
Extra Annual Pension
+£0
Break-even
N/A
Lifetime Gain (20yr)
£0
ROI
0%
Consider carefully
You already have (or will have) the maximum 35 qualifying years. No gaps to fill.