Your State Pension depends on your National Insurance record, not just your retirement age. For the new State Pension , the full rate is £230.25 a week in 2025-26, but many people get less depending on qualifying years, contracting-out history, and any additional State Pension they built up before 2016.

What decides the amount

  • How many qualifying National Insurance years you have.
  • Whether you were contracted out before 2016.
  • Whether you paid into the Additional State Pension before 2016.

When you get it

The current State Pension age is 66 for men and women, though it is scheduled to rise to 67 by 2028.

Best way to find your exact figure

The most accurate answer is your official State Pension forecast, because it shows both your estimated weekly amount and your National Insurance record.

If you want, I can help you estimate it from your age, years worked, and whether you’ve ever been contracted out.