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State Pension Age Calculator FullScreen

Determine your state pension age with this convenient tool. Input your date of birth and gender to calculate the age at which you will be eligible for the state pension. Stay informed about changes in pension legislation and plan your retirement effectively.

Check your State Pension age


what is State Pension Age Calculator

A State Pension Age Calculator is a tool used to determine the age at which an individual may be eligible to receive their state pension benefits. The state pension age is the age at which the government provides a regular income to individuals in retirement.

To use a State Pension Age Calculator, you typically need to provide the following information:

  1. Date of Birth: Your birth date or the birth date of the person for whom you are calculating the state pension age.
  2. Gender: Some calculators may require the gender of the individual, as state pension ages can vary depending on gender in certain countries.
  3. Country or Region: Depending on the calculator, you may need to specify the country or region for which you want to calculate the state pension age.

Based on this information, the State Pension Age Calculator will estimate:

  • State Pension Age: The calculated age at which you will become eligible to receive state pension benefits based on current legislation and regulations.
  • Retirement Year: The estimated year in which you will reach the state pension age.
  • Additional Information: Some calculators may provide additional information about the state pension scheme, eligibility criteria, and any specific rules or exceptions that may apply.

Please note that State Pension Age Calculators are typically based on current legislation and regulations, but these can change over time. It's important to regularly check for updates or consult with official government sources to obtain the most accurate and up-to-date information regarding state pension ages and eligibility criteria in your specific country or region.

Your State Pension and NIC (National Insurance Contributions)

How much state pension you get is dependent on how long you have been paying National Insurance Contributions. In order for you to receive the 'full basic state pension', you will have to have made a minimum of 35 years (beginning April of 2016) worth of NICs, although if you have made less than 35 years worth of NICs you are still able to receive the basic state pension, the amount you receive will differ based on how means years worth you have contributed.

When it comes to National Insurance Contributions, they are split into different categories. These categories are known as 'classes'.

  • Employees pay Class 1 contributions
  • Self-employed people pay Class 2 contributions
  • Class 3 contributions are most commonly paid on a voluntary basis

Who is Qualified for Basic State Pension?

If you are unemployed then you are still able to qualify for the basic state pension through the use of National Insurance credits. These credits are able to contribute to any spaces in your records. You are able to obtain credits if:

  • You have been unable to attend work due to an illness, maternity leave, or unemployment issues
  • You are a parent of child who is below the age of 12 and you have been claiming for child benefit
  • You are caring for someone who either has an illness or disability, or if you are either a foster carer or have been receiving Carer's Allowance

If you are employed, you qualify if:

  • You earn a minimum of £190 each week, totalling to roughly £9,880 annually, or you have received working tax credit
  • You are self-employed and have been paying Class 2 NICs

The Second State Pension

Originally, The Second State Pension was designed for employees to receive more on top of the amount of weekly state pension that was already being received. The Second State Pension, otherwise known as S2P or Serps, was removed in the year of 2016 and was instead replaced with a flat-rate state pension. This was done in order to prevent additional state pension from building up and has a reflection on the pension that has been received in the past.