UK Pension Calculator — Plan Your State and Workplace Pension
Calculate your estimated UK pension income from State Pension workplace pension and personal pensions. See if you are on track for a comfortable retirement.
UK retirement income typically comes from three sources: the State Pension (currently £221.20 per week for full entitlement) your workplace pension and any personal pensions or ISAs. Understanding how much income each source will provide helps you identify any shortfall and take action now. Auto-enrolment means most employees are now building a workplace pension but minimum contributions of 8% may not be enough for a comfortable retirement.
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Key Information
| Parameter | Details |
|---|---|
| Full State Pension (2025-26) | £221.20/week (£11,502/year) |
| NI Years Required | 35 years for full State Pension |
| Auto-Enrolment Minimum | 8% (3% employer + 5% employee) |
| State Pension Age | Currently 66 rising to 67 by 2028 |
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Use Calculator NowFrequently Asked Questions
How much State Pension will I get?
You need 35 qualifying years of National Insurance contributions for the full State Pension of £221.20 per week (£11502 per year). With fewer years your pension is proportionally reduced. Check your NI record and forecast on the gov.uk website under 'Check your State Pension'. You can make voluntary NI contributions to fill gaps in your record.
How much should I save for retirement UK?
For a comfortable retirement income of £37300 per year (PLSA standard) you need approximately £570000 in pension savings (assuming 4% drawdown) plus your State Pension of £11500. With workplace and personal pensions combined aim to save 12-15% of your salary including employer contributions throughout your career.
Is my workplace pension enough?
The minimum auto-enrolment contribution of 8% (5% employee + 3% employer) will likely provide only a basic retirement. On a £30000 salary this builds approximately £150000-£200000 over 30 years giving roughly £6000-£8000 per year income. Combined with State Pension this totals £17500-£19500 — below the moderate retirement living standard of £31300.
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Last updated: 24 March 2026