UK Retirement Age Calculator
There is no single retirement age in the UK. Enter your date of birth to see the three ages that actually matter — State Pension age, private pension access, and Pension Credit.
IndependentFreeNo sign-upSources: gov.uk
There is no single retirement age in the UK. You can retire whenever you choose — but three ages matter:
| Age | What it means |
|---|---|
| State Pension age | 66 now, rising to 67 by 2028 |
| Private pension access age | 55 now, rising to 57 on 6 April 2028 |
| Pension Credit age | Same as your State Pension age |
DD/MM/YYYY
Your State Pension age
66 years and 4 months
You'll reach State Pension age on 15 November 2026.
You can usually access a private pension (workplace or personal) from age 55.
- Source: gov.uk State Pension age timetable
- Pension Credit age matches State Pension age
- Educational estimate
How we calculate this
State Pension age comes from the gov.uk timetable set by the Pensions Act 2014 and Pensions Act 2007: 66 for anyone born before 6 April 1960, rising month by month for people born between 6 April 1960 and 5 March 1961, then a flat 67 for people born before 6 April 1977. People born on or after 6 April 1977 are due to reach 68 between 2044 and 2046, under government review. Private pension access age is separate — it is 55 today, rising to 57 on 6 April 2028 for anyone who reaches 55 on or after that date.
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The three ages, explained
State Pension age is the earliest age you can start claiming the UK State Pension. It's set by law and rising in stages — see the timetable below, or use the State Pension age calculator for your exact date.
Private pension access age (also called the normal minimum pension age) is the earliest age you can usually start drawing money from a workplace or personal pension, such as a SIPP or defined contribution scheme. It's currently 55, and is rising to 57 from 6 April 2028. Some older schemes have a protected lower pension age — check your scheme rules if this applies to you.
Pension Credit age is the earliest age you can claim Pension Credit, a means-tested benefit that tops up low income in retirement. It always matches your State Pension age.
State Pension age timetable
| Born | State Pension age |
|---|---|
| Before 6 April 1960 | 66 |
| 6 April 1960 – 5 March 1961 | 66 years 1 month – 67, rising by 1 month per month of birth |
| 6 March 1961 – 5 April 1977 | 67 |
| 6 April 1977 onwards | 68 (phased 2044–2046, under government review) |
Need the exact date rather than just the age? The State Pension age calculator shows the full month-by-month timetable and your precise claim date.
Can I retire at 60 in the UK?
Yes — nothing legally stops you retiring at 60, or any age, as long as you can afford to fund your own living costs. What you can't do is start your State Pension at 60: that won't begin until you reach your State Pension age (66 today, rising to 67 by 2028). If you have a workplace or personal pension, you may be able to draw on it from age 55 (57 from April 2028), which is what most people use to bridge the gap. Use the UK pension calculator to see what your pot could realistically generate, or the State Pension forecast calculator to see what you'll get once State Pension age arrives.
Frequently asked questions
What is the retirement age in the UK?
There is no single, fixed retirement age in the UK — you can stop working whenever you can afford to. The age that actually matters is your State Pension age, which is 66 for most people today and is rising to 67 by 2028. Use the calculator above to get your exact State Pension age from your date of birth.
When does State Pension age rise to 67?
State Pension age is rising from 66 to 67 in stages between April 2026 and March 2028. If you were born between 6 April 1960 and 5 March 1961, your State Pension age is somewhere between 66 years 1 month and 67, depending on your exact birth date. Anyone born on or after 6 March 1961 (and before 6 April 1977) has a State Pension age of exactly 67.
Will State Pension age go to 68?
Under current law, State Pension age is due to rise to 68 for people born on or after 6 April 1977, phased in during 2044–2046. This timetable is under government review and could change, so treat it as indicative rather than guaranteed.
Can I take my workplace pension at 55?
Usually yes, if you were born early enough — the normal minimum pension age for accessing most workplace and personal pensions is 55, rising to 57 from 6 April 2028. If you would reach 55 on or after that date (born on or after 6 April 1973), you will need to wait until 57 unless your scheme has a protected lower age.
What is Pension Credit age?
Pension Credit age — the earliest age you can claim Pension Credit, a means-tested top-up for low-income pensioners — is the same as your State Pension age. It rises in line with State Pension age, so it is also moving from 66 to 67 between 2026 and 2028.
This calculator is for educational purposes only and is not financial, tax, or legal advice. Pensora is independent and not affiliated with HMRC, the DWP, or any government agency. For decisions about your own situation, consider a licensed financial adviser.