State Pension Age Calculator
Find out when you can claim your UK State Pension based on your date of birth. This calculator uses the latest government rules for State Pension age transitions.
Calculate Your Pension Age
How State Pension Age Works
Your State Pension age depends on when you were born. The UK government has gradually increased the State Pension age over recent decades to reflect improvements in life expectancy.
Current State Pension Age (2025)
As of 2025, the State Pension age is 66 for everyone, regardless of gender. This applies to people born between 6 October 1954 and 5 April 1960.
Upcoming Changes (2026-2028)
The State Pension age is increasing from 66 to 67 for people born on or after 6 April 1960. This change will be phased in gradually:
- Born 6 April 1960 to 5 May 1960: Pension age 66 and 1-2 months
- Born 6 May 1960 to 5 March 1961: Pension age increases by 1 month for every month born later, reaching 67 by early 2028
- Born on or after 6 April 1961: Pension age is 67
Future Changes: The State Pension age is scheduled to rise to 68 between 2044 and 2046 under current legislation. However, this is subject to regular reviews and may change based on life expectancy data and economic factors.
Why the State Pension Age Is Increasing
The State Pension age is increasing for several reasons:
- Life expectancy: People are living longer, so they receive State Pension for more years
- Affordability: As the population ages, there are fewer workers per retiree
- Sustainability: Increasing the pension age helps keep the system financially sustainable
What This Means for You
Understanding your State Pension age is crucial for retirement planning:
- You cannot claim your State Pension until you reach your State Pension age
- You can defer claiming beyond your State Pension age to get a higher weekly amount
- Other benefits and workplace pensions may have different age thresholds
- You should plan your finances and retirement timing around your specific State Pension age
Check Your Official Forecast: While this calculator provides an accurate estimate, you should always verify your exact State Pension age by checking your official State Pension forecast at gov.uk/check-state-pension.