State Pension Decoded

The UK State Pension, explained in plain English

The UK State Pension, explained in plain English

The UK State Pension is the foundation of retirement income for more than 12 million people — but the headline rate is only half the story. How much you get depends on your National Insurance record, when you reached (or will reach) State Pension age, and choices like deferring or filling gaps. This site works through each rule with the figures shown, sourced to GOV.UK.

Big Ben and the Palace of Westminster in London
Big Ben and the Palace of Westminster in London

Key numbers for 2026/27

Full new State Pension (2026/27)£241.30 a week (£12,547.60 a year)
Full basic State Pension (2026/27)£184.90 a week (£9,614.80 a year)
Qualifying years for the full new State Pension35 (at least 10 to get anything)
Value of one qualifying year£6.89 a week (£358.50 a year)
State Pension age66, rising to 67 between April 2026 and April 2028
Voluntary Class 3 rate (2026/27)£18.40 a week (£956.80 for a full year)
Deferring (new State Pension)1% extra for every 9 weeks deferred — just under 5.8% a year
Annual increaseTriple lock: highest of earnings growth, CPI inflation, or 2.5%
2026/27 uprating4.8%, driven by earnings growth

Rates for the 2026/27 tax year. The full new State Pension rose from £230.25 in 2025/26 to £241.30, and the full basic State Pension from £176.45 to £184.90. Rates change each April — always confirm the current year's figures on GOV.UK before relying on them.

One warning before you start

If you see a viral post promising £600 or more a week from the State Pension, it is not the State Pension rate. The official full rate of the new State Pension for 2026/27 is £241.30 a week, and nobody receives a standard State Pension of several hundred pounds a week. Some people receive more than £241.30 because of a protected payment built up under the old rules, but that is an individual top-up, not a headline rate. Whenever a figure looks too good, check it against GOV.UK — that is the habit this whole site is built around.

An older couple walking together in a park
An older couple walking together in a park

Which system are you on?

It depends on one date: when you reached, or will reach, State Pension age. If that date is on or after 6 April 2016, you are on the new State Pension — a single flat-rate payment. If it is before 6 April 2016, you are on the old system: the basic State Pension plus, for many people, an earnings-related Additional State Pension built up under SERPS or the State Second Pension. You cannot choose between the systems, and the guides here say clearly which one each rule belongs to.

The River Thames and the London skyline
The River Thames and the London skyline

All the guides

Official links

Frequently asked questions

Do I get the State Pension automatically at State Pension age?

No. You have to claim it — it is never paid automatically. See the claiming guide for how, and the deferring guide if you are thinking of putting your claim off.

Is £241.30 a week what everyone gets?

No. It is the full rate of the new State Pension. What you actually get depends on your National Insurance record: 35 qualifying years for the full rate, a proportionate amount between 10 and 35 years, and nothing below 10 years (with some exceptions for time abroad). People who were contracted out before 2016 may need more than 35 years.

Where do the figures on this site come from?

GOV.UK. Every rate, age, and deadline in these guides was checked against GOV.UK pages at the time of writing, and each guide links to the official pages so you can re-check them yourself. Figures from social media posts, calculators, or forums are never used as sources here.