State Pension Age Calculator
The exact date you'll reach State Pension age, calculated from your date of birth using the current gov.uk timetable.
IndependentFreeNo sign-upSources: gov.uk
DD/MM/YYYY
You'll reach State Pension age on
12 September 2027
That's 66 years and 9 months old.
That's 422 days from today.
This date falls in the 67→68 rise, which is still under government review — treat it as indicative rather than guaranteed.
- gov.uk State Pension age timetable
- Educational estimate
How we calculate this
We match your date of birth against the gov.uk State Pension age timetable (Pensions Act 2014 / Pensions Act 2007). For birth dates before 6 April 1977 this gives a fixed age in years and months; for people born on or after 6 April 1977, gov.uk sets a specific calendar date instead of an age, because the 67→68 rise is phased by exact birth date, not birth year.
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What happens at State Pension age
Your State Pension isn't paid automatically — you need to claim it. The Pension Service usually writes to you around two months before you reach State Pension age, explaining how to claim online, by phone, or by post. If you don't claim straight away, you can start it later; you don't lose it by waiting a short time, but nothing is backdated unless you specifically request it.
You can also choose to defer your claim on purpose. Each 9 weeks you delay increases your State Pension by about 1% — roughly 5.8% for a full year deferred — which can be worth considering if you're still working and don't need the income yet.
National Insurance stops at State Pension age
Once you reach State Pension age, you stop paying Class 1 National Insurance as an employee, even if you keep working. Self-employed Class 4 contributions stop too, though the tax year you reach State Pension age in can involve a part-year calculation. Want to know what your NI record actually means for your pension amount? See the State Pension forecast calculator.
Full State Pension age timetable
People born between 6 April 1960 and 5 March 1961 — the 66 → 67 phase, by month of birth:
| Born | State Pension age |
|---|---|
| Before 6 April 1960 | 66 years 0 months |
| 6 April 1960 – 5 May 1960 | 66 years 1 month |
| 6 May 1960 – 5 June 1960 | 66 years 2 months |
| 6 June 1960 – 5 July 1960 | 66 years 3 months |
| 6 July 1960 – 5 August 1960 | 66 years 4 months |
| 6 August 1960 – 5 September 1960 | 66 years 5 months |
| 6 September 1960 – 5 October 1960 | 66 years 6 months |
| 6 October 1960 – 5 November 1960 | 66 years 7 months |
| 6 November 1960 – 5 December 1960 | 66 years 8 months |
| 6 December 1960 – 5 January 1961 | 66 years 9 months |
| 6 January 1961 – 5 February 1961 | 66 years 10 months |
| 6 February 1961 – 5 March 1961 | 66 years 11 months |
| 6 March 1961 – 5 April 1977 | 67 years 0 months |
People born on or after 6 April 1977 — the 67 → 68 phase, by month of birth (under government review):
| Born | State Pension date |
|---|---|
| 6 April 1977 – 5 May 1977 | 6 May 2044 |
| 6 May 1977 – 5 June 1977 | 6 July 2044 |
| 6 June 1977 – 5 July 1977 | 6 September 2044 |
| 6 July 1977 – 5 August 1977 | 6 November 2044 |
| 6 August 1977 – 5 September 1977 | 6 January 2045 |
| 6 September 1977 – 5 October 1977 | 6 March 2045 |
| 6 October 1977 – 5 November 1977 | 6 May 2045 |
| 6 November 1977 – 5 December 1977 | 6 July 2045 |
| 6 December 1977 – 5 January 1978 | 6 September 2045 |
| 6 January 1978 – 5 February 1978 | 6 November 2045 |
| 6 February 1978 – 5 March 1978 | 6 January 2046 |
| 6 March 1978 – 5 April 1978 | 6 March 2046 |
| 6 April 1978 onwards | Age 68 (exact date depends on your birth date) |
Want the broader picture, including private pension access age and Pension Credit age? See the UK retirement age calculator.
Frequently asked questions
What date do I get my State Pension?
Your State Pension start date depends on your exact date of birth, not just your birth year — it follows the gov.uk State Pension age timetable. Enter your date of birth in the calculator above to see your precise date, down to the day.
Is State Pension paid on my birthday?
Not necessarily. Your State Pension starts on the day you reach State Pension age, which for most people isn't their birthday — it can be a set date months later, depending on the timetable for your birth cohort. Once it starts, payments arrive every 4 weeks, and the day of the week depends on the last 2 digits of your National Insurance number.
Can I get State Pension at 60?
No. State Pension age is currently 66, rising to 67 by 2028, and there is no way to claim it earlier — unlike a private pension, there is no reduced early-payment option. If you want income before then, you would need to rely on savings, a workplace or personal pension (usually accessible from 55), or continued earnings.
Do I stop paying National Insurance at State Pension age?
Yes, if you're an employee — you stop paying Class 1 National Insurance from the day you reach State Pension age, even if you carry on working. If you're self-employed, Class 4 contributions also stop, though you may still owe Class 2 or Class 4 for the part of the tax year before you reached State Pension age.
State Pension age for women
Women's State Pension age was equalised with men's in November 2018, after a long transition. There is no longer a separate, lower State Pension age for women — everyone uses the same gov.uk timetable based on date of birth.
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.