Born in 1975
Subject to ongoing SPA reviews. Here is what your forecast looks like in 2026/27 terms.
Your cohort at a glance
State Pension Age
67 (possibly 68)
Likely SPA year
2042 to 2043
Scheme
New State Pension
Full new SP 2026/27
£12,547.60/yr
£241.30/wk
What this means for you
Subject to ongoing SPA reviews. The headline 2026/27 figure quoted above assumes you have the full 35 qualifying years and were never contracted out1.
You have around 16 years before SPA, which is enough time to add qualifying years through paid NI or Class 3 voluntary contributions.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