{"id":"uk-state-pension","summary":"UK new State Pension forecast from qualifying years, with the shortfall to the full rate and the payback on a voluntary Class 3 top-up.","method":"POST","inputSchema":{"type":"object","properties":{"qualifyingYears":{"type":"number","description":"Qualifying years already on the NI record"},"futureYears":{"type":"number","description":"Further full years expected before State Pension age"},"boughtYears":{"type":"number","description":"Gap years being considered for voluntary contributions"}},"required":["qualifyingYears"]},"exampleInput":{"qualifyingYears":22,"futureYears":8,"boughtYears":3},"exampleOutput":{"effectiveYears":33,"yearsShort":2,"weekly":227.51142857142858,"annual":11830.594285714285,"sharePct":94.28571428571428,"valuePerYear":358.5028571428572,"costPerYear":956.8,"paybackYears":2.668876916701201,"boughtValue":1075.5085714285715,"boughtCost":2870.3999999999996,"eligible":true,"taxYear":"2026/27","rulesChecked":"2026-08","note":"New State Pension only. Records started before April 2016 carry a starting amount that can differ from the pro rata."}}