What is my state pension age? How to find out when you can retire

The pension age is set to increase to 68 by 2044 (Eduardo Barrios / Unsplash)
The pension age is set to increase to 68 by 2044 (Eduardo Barrios / Unsplash)

The Work and Pensions Secretary has said the state pension age is not likely to be raised to 68 until the 2040s — but stressed that it is a decision for the next UK Government to take.

After delaying the decision on state pensions due to stalling life expectancy, Mel Stride said it would still have to be taken, but it would not be made by the current Government, and that Britons would get 10 years of notice.

A state pension age increase from 66 to 67 is set to take place between 2026 and 2028, a move which has been legislated for since 2014.

But Cabinet minister Mr Stride chose to delay any consideration about increasing the state pension minimum age to 68 in a statement to the Commons in March.

Stride made his most recent remarks as he addressed journalists at a lunch in Westminster, saying that, while the decision had been deferred until after the next general election — which is widely expected to take place next year — he anticipated the increase could happen in “2040 or thereabouts”.

The confusion surrounding the pension age and its eventual increase will leave many wondering: when can I retire?

Find out below what your state pension age is, based on current government plans.

What is the retirement age in the UK?

‌The retirement age in the UK is currently 66, but it is due to increase to 67 by 2028.

It is then due to rise to 68 from 2044.

What is my retirement age?

People born before 1957 are already at retirement age (66), and people born between 1957 and 1960 will reach retirement age before the next increase (in 2028).

People born in 1961 will turn 67 in 2028 and people born between 1962 and 1976 will reach the retirement age of 67 before the next planned increase (in 2044).

People born in 1977 will turn 67 in the year 2044, when the pension age is set to increase again (to 68).

People who were born before May 1977 will retire at age 67. However, people born between May 1977 and April 1978 will see their pension age rise by a few months, depending on when they were born.

People born after May 1978 are set to retire at 68, under current government plans.

If the pension age increase to 68 were to be brought forward from 2044 to 2035, people born between 1967 and 1976 would have to wait another year to retire.

‌When can I retire? Calculator

The Government has a calculator that lets you see when you’re set to retire. Simply enter your date of birth and the calculator will tell you when you can expect to retire under current government plans.