Find your UK State Pension age and calculate exactly how many years until you can retire.
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How This Works
UK State Pension Age (SPA) is currently 66 for both men and women, rising to 67 between 2026–2028 and proposed to rise to 68 between 2044–2046. The full new State Pension (2024/25) is £221.20/week = £11,502/year. You need 35 qualifying NI years for the full amount. The pension gap and pot required use the 4% sustainable withdrawal rate (Bengen 1994).
You need 35 qualifying National Insurance years for the full new State Pension (£221.20/week in 2024/25). A minimum of 10 years is needed to receive any State Pension. You can check your NI record and State Pension forecast at gov.uk/check-state-pension. If you have gaps, you can buy voluntary NI contributions — currently £824.20 for one year, which adds ~£328/year to your pension for life, making it one of the best guaranteed returns available.