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State Pension calculator

Find your State Pension age and estimate the weekly amount. Then see how long your own savings would need to support you if you stop work earlier.

About you

Your State Pension age depends on the exact date; the tables change on the 6th of a month.
Day
Month
Year

You are 58.

The age you would like to stop, to see the years before the State Pension starts.

67 your State Pension age

You reach it on 14 June 2035, in 8 years and 8 months.

The full new State Pension is £241.30 a week in 2026/27, £12,547.60 a year. The estimate below uses 35 qualifying years for the full rate.

This amount assumes your NI record started after April 2016. An earlier record, contracting out or overseas years can change it. Your State Pension forecast gives your own estimate.

From 58 now to State Pension age 67, stopping work at 625 years between stopping at 62 and the State Pension starting at 67.5 years from your own moneyNow58Stop work62State Pension starts67

Stop at 62 and it is 5 years before the State Pension starts. Living on £2,693.30 a month, that is £154,880 of your own money in today's money, to cover that gap. Retirement spending after that is separate.

See what stopping at 62 takes

Your National Insurance record

Your State Pension forecast on gov.uk lists them; a year counts if you worked, had credits or paid voluntarily.

0 means unknown here, so we assume the full 35 years. It does not mean a zero-year entitlement.

Check your State Pension forecast on gov.uk for your own years and any gaps.

What could change it

State Pension age is reviewed at least every six years and the rise to 68 could move; gov.uk says the 66 and 67 timetables will not be revised.

Contracted out before 2016, you will usually need more than 35 years for the full rate. Paid into the Additional State Pension before 2016, you may get a protected payment on top. Your forecast shows your own starting amount.

Years can be added by working, by credits for caring, illness or unemployment, or by paying voluntary contributions for gaps. The full rate rises each April; everything here is in today's money.

You do not have to stop work to claim it, and you can defer it for a higher amount later.

How this is worked out

The age comes from the gov.uk State Pension age timetable: the 66th birthday for people born up to 5 April 1960, 66 plus one month a band for 6 April 1960 to 5 March 1961, 67 for 6 March 1961 to 5 April 1977, fixed dates from 6 May 2044 to 6 March 2046 for 6 April 1977 to 5 April 1978, and the 68th birthday after that.

The amount is a thirty-fifth of the full rate, £241.30 a week, for each qualifying year up to 35, and nothing under 10. Adding future years assumes one qualifying year per tax year until State Pension age. The years before it are costed as your spending each year, in today's money at the growth, charge and inflation assumptions on the retirement pages.