New State Pension - How much New State Pension will I get?

The amount of New State Pension that you receive depends on your national insurance contributions and national insurance credits.

You can check your expected state pension amount on the GOV.UK site.

The full New State Pension is £230.25 per week. If you defer your pension, you may be able to get more than this.

You are entitled to the full amount of New State Pension if you paid enough national insurance contributions or received national insurance credits for a total of 35 years.  

For each year that is missing from your national insurance record, your entitlement is reduced by one thirty-fifth. 

If you have not yet reached age 66, you may be able to pay voluntary national insurance contributions to fill the gaps in your national insurance record and increase your entitlement.

For more information on voluntary contributions, visit the GOV.UK: Voluntary National Insurance page.

Additional amounts

The New State Pension does not usually include any additional amounts.

If you paid national insurance contributions before 6 April 2016 and you would have been better off claiming the old Basic State Pension, you could receive an additional amount so that you are not any worse off claiming the New State Pension. 

If you don't claim your New State Pension when you reach State Pension age and decide to defer, your entitlement could be increased. For more information on how much it could increase by, visit the GOV.UK: Delay (defer) your State Pension page. 

Triple Lock

The New State Pension increases every year by whichever is the highest:

• Earnings – the average percentage growth in wages in Britain
• Prices – the percentage growth in prices in the UK, as measured by the Consumer Prices Index (CPI)
• 2.5%

Forecast

A State Pension statement can tell you how much New State Pension you will receive. You can check your state pension forecast online, or by contacting the Pension Service or NI Pension Centre by telephone or post. 

New State Pension and Other Benefits

New State Pension counts as income when working out your entitlement to other benefits. 

If you’re on a low income, you might be eligible to apply for other benefits such as Pension Credit. Read our guide on Pension Credit.

If you have a disability and someone helps look after you, you might be eligible for Attendance Allowance or Pension Age Disability Payment (Scotland).