State Pension deferral calculator
One slider for starting amount, one for deferral years. Out comes the new figure and the break-even year.
Deferral calculator
New weekly amount
£255.30
New annual amount
£13,275.36
Extra per year
£727.76
Break-even years after claiming
17.2 yrs
Deferral applies 1% per 9 weeks, roughly 5.8% per full year1. The uplift continues for life and tracks the triple lock alongside the base figure.
By Oliver Wakefield-Smith, Founder, Digital Signet.
Rates current for 2026/27 · Verified Q2 2026 · Next refresh after Autumn Budget 2026