Your State Pension, five ways
You're on track for £241.30/week in today's terms (100% of the full rate). Over 20 years of drawing from 2026/27, the triple lock pays £377,486; CPI only would pay £308,716 (−£68,770).
Entitlement100%35 qualifying years
Weekly in today's terms£241.30£12,548/yr
Worst rule for youCPI only−£68,770 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: 2026/27 to 2045/46
| 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 | £241.30 | £525.96 | £361.04 | £377,486 | £304,832 | — | £392,234 |
| Earnings link only | £241.30 | £525.96 | £361.04 | £377,486 | £304,832 | £0 | £381,818 |
| CPI only | £241.30 | £369.10 | £253.36 | £308,716 | £252,098 | −£68,770 | £326,771 |
| Flat 2.5% a year | £241.30 | £403.33 | £276.86 | £324,366 | £264,136 | −£53,119 | £325,226 |
| Adjusted lock | £241.30 | £518.73 | £356.07 | £373,359 | £301,637 | −£4,127 | £387,948 |
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
Boost+5%45 weeks ÷ 9 × 1%
Extra at claim£12.07/wkrises with CPI only
Pension forgone£10,859
Break-even16 yrsof drawing, triple lock
Over your 20-year horizon: £377,486 with deferral vs £373,643 claiming on time (triple lock).
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 35 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.
- No NI purchase planned. You have 35 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 CPI only you'd receive £68,770 less over 20 years than under the triple lock (and £65,462 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.
- Deferring 45 weeks adds 5% (≈£12.07/week, CPI-linked only) but forgoes ≈£10,859; under the triple lock you only come out ahead after ~16 years of drawing. Only defer if you're still working (the extra is taxable at your marginal rate) and expect to draw past that point; you cannot build deferral while you or your partner get certain benefits.
- Diary your State Pension claim: the DWP should write about 2 months before State Pension age (2026/27); 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 |
|---|---|---|---|---|---|---|
| 2026/27 | £253.37 | £253.37 | £253.37 | £253.37 | £253.37 | 7 |
| 2027/28 | £263.26 | £263.26 | £258.43 | £259.64 | £263.26 | 52 |
| 2028/29 | £273.54 | £273.54 | £263.60 | £266.07 | £273.54 | 52 |
| 2029/30 | £284.23 | £284.23 | £268.87 | £272.66 | £284.23 | 52 |
| 2030/31 | £295.35 | £295.35 | £274.25 | £279.41 | £295.35 | 52 |
| 2031/32 | £306.90 | £306.90 | £279.74 | £286.33 | £304.78 | 52 |
| 2032/33 | £318.91 | £318.91 | £285.33 | £293.42 | £315.62 | 52 |
| 2033/34 | £331.39 | £331.39 | £291.04 | £300.69 | £327.42 | 52 |
| 2034/35 | £344.37 | £344.37 | £296.86 | £308.14 | £339.95 | 52 |
| 2035/36 | £357.86 | £357.86 | £302.79 | £315.77 | £353.12 | 52 |
| 2036/37 | £371.89 | £371.89 | £308.85 | £323.59 | £366.88 | 52 |
| 2037/38 | £386.47 | £386.47 | £315.03 | £331.61 | £381.23 | 52 |
| 2038/39 | £401.63 | £401.63 | £321.33 | £339.82 | £396.16 | 52 |
| 2039/40 | £417.39 | £417.39 | £327.75 | £348.24 | £411.69 | 52 |
| 2040/41 | £433.77 | £433.77 | £334.31 | £356.87 | £427.84 | 52 |
| 2041/42 | £450.81 | £450.81 | £341.00 | £365.71 | £444.63 | 52 |
| 2042/43 | £468.51 | £468.51 | £347.82 | £374.77 | £462.09 | 52 |
| 2043/44 | £486.92 | £486.92 | £354.77 | £384.06 | £480.24 | 52 |
| 2044/45 | £506.06 | £506.06 | £361.87 | £393.58 | £499.11 | 52 |
| 2045/46 | £525.96 | £525.96 | £369.10 | £403.33 | £518.73 | 52 |
Inputs: 35 years now, +0 future, +0 bought; SPA in 0 yrs; defer 45 wks; earnings 4%, CPI 2%; start £241.30/wk. Report sample-c · Markdown · JSON · created 2026-10-13T12:37:06.169Z. Simplified new State Pension maths (no starting amount, protected payment or inherited amounts). Not financial advice.