A full new State Pension in 2026/27 is £230.25 a week, requiring 35 qualifying National Insurance years
Check your forecast at gov.uk/check-state-pension - takes 2 minutes with a Government Gateway login
Missing years can be filled by paying voluntary Class 3 NI contributions, currently around £900 per year - usually a high-return move
Stay-at-home parents earn NI credits automatically if they claim Child Benefit, even when opting out of payment
