State Pension
Government pension based on National Insurance contributions. Available when you reach State Pension age.
£221.20
per week (2024/25)
£11,502 per year
Age 66
Current pension age
Rising to 67 by 2028
35 Years
For full pension
Minimum 10 years
How It Works
Build your State Pension through National Insurance contributions during your working life. The amount you receive depends on your NI record.
Full Pension
35 years of NI contributions
Minimum
10 years to receive any pension
How Much Will You Get?
Your pension is calculated proportionally based on your qualifying years. The formula is: (Your Years ÷ 35) × £221.20
£63.20/week
£3,286/year
£126.40/week
£6,573/year
£189.60/week
£9,859/year
£221.20/week
£11,502/year
Official Source: Check your personal forecast at gov.uk/check-state-pension | Official rates
Key Features
Payment
Every 4 weeks into your bank account
Increases
Triple Lock: inflation, earnings, or 2.5%
Taxation
Taxable income, paid gross
Deferral
+1% for every 9 weeks deferred
Building Your Entitlement
Working and paying National Insurance
National Insurance credits (unemployment, caring)
Voluntary NI contributions
Child Benefit for children under 12
Important Information
Annual Amount
Full State Pension provides £11,502 per year
Check Your Record
View your forecast and contribution history at gov.uk
Individual Entitlement
Each person builds their own State Pension
State Pension Questions?
Contact us for information about your State Pension record and entitlement.