See what your State Pension could be worth and whether deferring your claim makes sense
Deferring increases your pension by ~5.8% for each full year you delay.
| Claim Age | Weekly | Annual | Break-even Age |
|---|
The full Wealth365 app shows how your State Pension fits alongside workplace pensions, ISAs, and other income in a complete retirement projection.
Start Free Trial →You need 35 qualifying National Insurance years to receive the full new State Pension. You need a minimum of 10 qualifying years to receive any payment at all.
The full new State Pension for 2025/26 is £230.25 per week (£11,973 per year), subject to the government's triple-lock guarantee.
Yes. Deferring beyond your State Pension age increases the amount you receive by approximately 5.8% for each full year you delay. The tool shows a deferral table so you can see the break-even age for different claim ages.
This tool gives an estimate based on the years you enter. To see your actual National Insurance record and official State Pension forecast, log in to the Check Your State Pension service on GOV.UK using your Government Gateway account.
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