State Pension Forecast: 28 NI Qualifying Years
2025-26 · New state pension · 80.0% of maximum
State pension breakdown — 28 NI years
| Full new state pension (35 years) | £221.20/week | £11502.40/year |
| Your qualifying NI years | 28 of 35 | 80.0% |
| Your estimated state pension | £176.96/week | £9201.92/year |
| Gap to full pension | 7 more years | Top-up cost: £5,769 |
Pension per qualifying year: £6.32/week (£328.64/year). Voluntary Class 3 contributions cost £824.20/year in 2025-26.
Personalised retirement insights — 28 NI years
Your projected state pension of £9201.92/year covers 46.0% of a £20,000 modest retirement income, or 23.0% of a £40,000 comfortable retirement. The rest must come from private pensions, ISAs, or other savings.
Private savings gap by retirement lifestyle
| Target retirement income | Gap vs state pension | Pot needed (4% rule) | Monthly save (20yr, 5% real) |
|---|---|---|---|
| £20,000 (PLSA minimum) | £10,798.08/yr | £269,952 | £657/mo |
| £40,000 (PLSA moderate) | £30,798.08/yr | £769,952 | £1,873/mo |
| £60,000 (PLSA comfortable) | £50,798.08/yr | £1,269,952 | £3,090/mo |
Monthly figures assume 20 years to retirement, 5% real return (after inflation), and a 4% safe withdrawal rate. Every £1 contributed to a pension gets at least 25% tax relief (more for higher-rate taxpayers), making pensions the most efficient vehicle for closing this gap.
Topping up your NI record
You need 7 more qualifying NI years to receive the full state pension. Buying voluntary Class 3 contributions costs £824.20/year in 2025-26.
| Years still needed | 7 years |
| Cost to buy all missing years | £5,769 |
| Extra pension gained per year bought | £328.64/year (£6.32/week) |
| Approximate payback period per year | ~2.5 years of pension payments |
State pension with 28 NI years — explained
With 28 qualifying National Insurance years, your new state pension in 2025-26 is £176.96 per week (£9201.92/year or £767/month). This represents 80.0% of the maximum new state pension of £221.20/week.
To boost your pension to the full £221.20/week, you need 7 more qualifying years. You can achieve this through continued employment, NI credits (for example, through Child Benefit or carer status), or by purchasing voluntary Class 3 contributions at £5,769 in total.
Your qualifying NI years include any year where you paid (or were credited with) NI contributions above the Lower Earnings Limit (£6,396 in 2025-26). Years of employment, self-employment, and certain benefit claims all count.
Building your private pension on top of 28 NI years
At 28 qualifying years, the state pays you £9201.92/year — but the PLSA's retirement living standards suggest a single person needs roughly £15k–£20k for a minimum lifestyle, £31k for moderate, and £43k+ for comfortable. For a £40,000 target on 28 NI years, you need to close a gap of £30,798.08/year, requiring a pension/ISA pot of about £769,952. Saving £1,873/month for 20 years at a 5% real return would get you there. Pension tax relief means a basic-rate taxpayer contributing £100 only costs £80 net; for higher-rate earners, it's just £60 — so the real out-of-pocket cost is much lower than the headline figure. Combine pensions with salary sacrifice to save NI too.
Frequently asked questions
How much state pension do I get with 28 NI years?
With 28 qualifying NI years, you receive 80.0% of the full new state pension — £176.96/week (£9201.92/year) in 2025-26. The full new state pension requires 35 NI years and pays £221.20/week (£11502.40/year).
How many more NI years do I need to get the full state pension?
You need 7 more qualifying NI years to receive the full state pension. You could buy voluntary Class 3 contributions to fill gaps — this would cost approximately £5,769 in total (at £824.20/year in 2025-26).
Can I top up my NI contributions to improve my state pension?
Yes — voluntary Class 3 NI contributions cost £824.20/year in 2025-26. Each year you buy adds approximately £328.64/year (£6.32/week) to your state pension for life. The payback period is roughly 2.5 years of pension payments, making it a very cost-effective investment if you have gaps in your NI record. Check your record at gov.uk.