Free
2025/26
State Pension Deferral Calculator
If you defer your State Pension you get a higher weekly amount — currently 1% extra for every 9 weeks deferred. But you need to live long enough to recoup the missed payments. Calculate your break-even point here.
Your details
£
Check your forecast at GOV.UK →. Full new SP: £230.25/week (2025/26)
66
67
68
SPA is currently 66 (rising to 67 between 2026–2028, then 68 from 2044–2046).
1 year
2 years
10 years
Yes ⚠️
No
If you live in a country without a reciprocal agreement (incl. Australia, Canada, India), your pension is frozen at the amount you first claimed.
yrs
UK average: men 79, women 83. ONS projections higher. Adjust for health.
Enter your details to see the analysis.