Your State Pension, five ways
You'd get £0 new State Pension: 8 qualifying years is under the 10-year minimum. Reaching 10 is worth £68.94/week today.
Entitlement0%8 qualifying years
Weekly in today's terms£0.00£0/yr
Worst rule for youEarnings link only£0 vs triple lock
NI purchaseNo NI purchase planned
Full new State Pension (£/week) by tax year
Triple lock Earnings link only CPI only Flat 2.5% a year Adjusted lock
Adjusted lock: triple lock until 2030/31, then max(CPI, 2.5%) with 50% annual catch-up toward an earnings track (and CPI-only when above it).What you'd receive: 2031/32 to 2050/51
| Rule | Full rate at SPA | Your weekly, final year | Today's money | Total received | Total, today's money | vs triple lock | 8% CPI shock total |
|---|---|---|---|---|---|---|---|
| Triple lock | £293.58 | £0.00 | £0.00 | £0 | £0 | — | £0 |
| Earnings link only | £293.58 | £0.00 | £0.00 | £0 | £0 | £0 | £0 |
| CPI only | £266.41 | £0.00 | £0.00 | £0 | £0 | £0 | £0 |
| Flat 2.5% a year | £273.01 | £0.00 | £0.00 | £0 | £0 | £0 | £0 |
| Adjusted lock | £291.46 | £0.00 | £0.00 | £0 | £0 | £0 | £0 |
NI gap-fill — No NI purchase planned
No purchase planned. Each extra qualifying year (below 35) is worth about £6.89/week today for £956.80 of Class 3.
Deferral
You're claiming on time. Deferring adds 1% per 9 weeks (≈5.8% a year), CPI-linked only.
Next steps
- Get your official forecast at gov.uk/check-state-pension (Government Gateway / GOV.UK One Login). Check the "qualifying years" count matches the 8 you entered and note any "starting amount" if you were contracted out before 2016 — it can put you above or below the pro-rata figure used here.
- Download your NI record (gov.uk/check-national-insurance-record) and list each gap year by tax year. Mark which are "not full" years and which fall inside the last 6 tax years — normally only those can still be bought.
- You are below the 10-year minimum, so you'd currently get £0 of new State Pension. Finding 2 more qualifying year(s) — through work, NI credits (Child Benefit/carer/UC/Carer's Credit) or Class 3 — is worth £68.94/week straight away at 10 years. Do this before anything else.
- No NI purchase planned. You have 8 qualifying years counted; each extra year below 35 is worth about £6.89/week today for £956.80 of Class 3 — re-run with plannedExtraNiYears if you have gaps.
- Stress-test the uprating risk: under Earnings link only you'd receive £0 less over 20 years than under the triple lock (and £0 less in the 8% CPI shock case). Size your private pension / drawdown so you can live with the worst line, not the triple-lock line.
- Deferral: you are claiming on time. Deferring at least 9 weeks would add 1% per 9 weeks (≈5.8% a year), but the extra only rises with CPI and typically takes 17+ years to break even — re-run with deferWeeks to price it.
- Diary your State Pension claim: the DWP should write about 2 months before State Pension age (2031/32); claim online at gov.uk/get-state-pension or on 0800 731 7898 if no letter arrives. State Pension age is rising to 67 between 2026 and 2028 — check yours at gov.uk/state-pension-age.
- Save this report link and re-run it each April after the uprating announcement (Autumn Budget sets the figure; GOV.UK publishes the new weekly rate) — swap your startingWeekly and CPI/earnings assumptions for the actual numbers, and take regulated advice (unbiased.co.uk / MoneyHelper Pension Wise if 50+) before large Class 3 payments.
Year-by-year: your weekly pension under each rule
| Tax year | Triple lock | Earnings link only | CPI only | Flat 2.5% a year | Adjusted lock | Weeks paid |
|---|---|---|---|---|---|---|
| 2031/32 | £0.00 | £0.00 | £0.00 | £0.00 | £0.00 | 52 |
| 2032/33 | £0.00 | £0.00 | £0.00 | £0.00 | £0.00 | 52 |
| 2033/34 | £0.00 | £0.00 | £0.00 | £0.00 | £0.00 | 52 |
| 2034/35 | £0.00 | £0.00 | £0.00 | £0.00 | £0.00 | 52 |
| 2035/36 | £0.00 | £0.00 | £0.00 | £0.00 | £0.00 | 52 |
| 2036/37 | £0.00 | £0.00 | £0.00 | £0.00 | £0.00 | 52 |
| 2037/38 | £0.00 | £0.00 | £0.00 | £0.00 | £0.00 | 52 |
| 2038/39 | £0.00 | £0.00 | £0.00 | £0.00 | £0.00 | 52 |
| 2039/40 | £0.00 | £0.00 | £0.00 | £0.00 | £0.00 | 52 |
| 2040/41 | £0.00 | £0.00 | £0.00 | £0.00 | £0.00 | 52 |
| 2041/42 | £0.00 | £0.00 | £0.00 | £0.00 | £0.00 | 52 |
| 2042/43 | £0.00 | £0.00 | £0.00 | £0.00 | £0.00 | 52 |
| 2043/44 | £0.00 | £0.00 | £0.00 | £0.00 | £0.00 | 52 |
| 2044/45 | £0.00 | £0.00 | £0.00 | £0.00 | £0.00 | 52 |
| 2045/46 | £0.00 | £0.00 | £0.00 | £0.00 | £0.00 | 52 |
| 2046/47 | £0.00 | £0.00 | £0.00 | £0.00 | £0.00 | 52 |
| 2047/48 | £0.00 | £0.00 | £0.00 | £0.00 | £0.00 | 52 |
| 2048/49 | £0.00 | £0.00 | £0.00 | £0.00 | £0.00 | 52 |
| 2049/50 | £0.00 | £0.00 | £0.00 | £0.00 | £0.00 | 52 |
| 2050/51 | £0.00 | £0.00 | £0.00 | £0.00 | £0.00 | 52 |
Inputs: 8 years now, +0 future, +0 bought; SPA in 5 yrs; defer 0 wks; earnings 4%, CPI 2%; start £241.30/wk. Report sample-b · Markdown · JSON · created 2026-10-13T12:37:29.736Z. Simplified new State Pension maths (no starting amount, protected payment or inherited amounts). Not financial advice.