Born in 1963
Mid-transition to SPA 67. Here is what your forecast looks like in 2026/27 terms.
Your cohort at a glance
State Pension Age
67
Likely SPA year
2030
Scheme
New State Pension
Full new SP 2026/27
£12,547.60/yr
£241.30/wk
What this means for you
Mid-transition to SPA 67. The headline 2026/27 figure quoted above assumes you have the full 35 qualifying years and were never contracted out1.
You have around 4 years before SPA. Class 3 buy-back for years 2020/21 onwards is still in play.2
What to do next
- Get your gov.uk forecast via the check vs claim guide
- Identify any NI gaps via your gov.uk NI record3
- Model the impact of voluntary contributions on the homepage calculator
- Before paying, call the Future Pension Centre to confirm impact
Adjacent cohorts
By Oliver Wakefield-Smith, Founder, Digital Signet.
Rates current for 2026/27 · Verified Q2 2026 · Next refresh after Autumn Budget 2026