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I thought I'd got a handle on this but the OP has given me some doubts.

My record on the .gov.uk website says 37 years of full contributions, from 16 years old until now (no breaks or missing years). It also says I was contracted out for some of that time (which I knew) and gives a forecast of £156.57 per year, just above the OPs. Cope estimate of £51.15 per month.

I thought this meant I was under the old system, but had enough time when I was contracted in to give me additional pension of £37.27 giving me the sum mentioned.

Can someone confirm or point out where I'm going wrong?

Originally posted by **fifeken**
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As long as you are quoting the correct figures.

There are 3 boxes on the forecast.

Top - what they estimate your pension will be providing certain things happen.

Middle - what you currently have accrued at April 2016 (or sometimes still April 15)

Bottom - again what they think you will get if you contribute x years or states that you cannot increase any more.

If the NI figure is up to April 15 then the estimates may be incorrect.

The middle box is the important one for now.

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