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State Pension With 20 Years of National Insurance (2026/27)
With 20 qualifying years you get about £137.89 a week (£7,170 a year) of new State Pension in 2026/27. See what more years and delaying add.
Your National Insurance record
Your State Pension a week
£137.89
| Every 4 weeks (how it's paid) | £551.54 |
| A year | £7,170.06 |
| Full new State Pension | £241.30 a week |
| Years missing for the full amount | 15 |
The full new State Pension is £241.30 a week in 2026/27 for people who reached State Pension age on or after 6 April 2016. You need 35 qualifying years for the full amount and at least 10 for any. It rises each April under the triple lock. Your real amount can differ if you were contracted out before 2016; check your forecast on GOV.UK.
Rules last checked October 2026. Simple estimate: full rate × qualifying years ÷ 35. Not legal, tax or financial advice. 🔒 Everything stays on your device.
✅ Rules last checked:
📚 Official sources: GOV.UK: new State Pension · GOV.UK: delay your State Pension
We build every tool from the official rules and re-check them when they change. Always confirm with the official source before you rely on a result.
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State Pension with 20 qualifying years
With 20 qualifying years of National Insurance you get about £137.89 a week: 20 ÷ 35 of the full £241.30. That is £551.54 every 4 weeks, or £7,170 a year.
You need 15 more years for the full amount. Each extra year adds about £6.89 a week (£359 a year) for the rest of your life. You can keep building years by working, getting credits (for example for childcare or caring) or paying voluntary Class 3 contributions, which usually cover gaps in the last 6 tax years.
Delaying your claim adds 1% for every 9 weeks, just under 5.8% for a full year.
| If you claim | A week | A year |
|---|---|---|
| At State Pension age | £137.89 | £7,170 |
| 9 weeks later (+1%) | £139.26 | £7,242 |
| 26 weeks later (+2%) | £140.64 | £7,313 |
| 52 weeks later (+5%) | £144.78 | £7,529 |
| 104 weeks later (+11%) | £153.05 | £7,959 |
New State Pension rates for 2026/27. Your real amount can differ if you were contracted out before April 2016: check your forecast on GOV.UK.
Questions people ask
How much is the full State Pension in 2026/27?+
£241.30 a week for people who reached State Pension age from 6 April 2016.
How many years do I need for a full State Pension?+
35 qualifying years of National Insurance for the full amount, and at least 10 to get anything.
Is it worth delaying my State Pension?+
Each 9 weeks you delay adds 1% (just under 5.8% a year). It usually takes around 17 years to make back what you gave up.