Retirement age calculator · United Kingdom
The earliest age you can claim a pension, the age for a full pension, and what each one pays. Change your age in the calculator below.
About £1,046 net a month at 68, in today’s money. Assumes you started work at 22; change it in the calculator below.
What each age pays ↓…
Retirement age in the United Kingdom: when you can claim your pension
When you can retire depends on your year of birth and how many years you have been insured. The calculator above shows the earliest age and the age for a full pension, and what each age would pay.
The rules in brief
- Ages: State Pension age rises to 67 between 2026 and 2028, and to 68 for people born after April 1977 (current law). It cannot be taken early; deferring adds about 5.8% per year.
Earliest and full pension, by year of birth
| Born in | Earliest pension | Full pension |
|---|---|---|
| 1965 | – | age 67, in 2032 |
| 1970 | – | age 67, in 2037 |
| 1975 | – | age 67, in 2042 |
| 1980 | – | age 68, in 2048 |
| 1985 | – | age 68, in 2053 |
| 1991 | – | age 68, in 2059 |
| 1995 | – | age 68, in 2063 |
| 2000 | – | age 68, in 2068 |
Assumes work from age 22 without gaps.
Example: born in 1991, what each age pays
| Claim at age | Year | Change | Net a month |
|---|---|---|---|
| 68 | 2059 | full pension | £1,046 |
| 69 | 2060 | +5.8% | £1,094 |
| 70 | 2061 | +11.6% | £1,143 |
Career from age 22 with the calculator’s example pay; amounts in today’s money.
Frequently asked questions
When can I retire in the United Kingdom?
At 68 if you were born in 1991.
Rules and official sources: see “Rules applied (2026)” in the calculator. Last checked: October 2026. Estimates for information, not financial advice.
Other questions about pay in the United Kingdom: What is my hourly wage? · What is the minimum wage after tax? · What do I take home part-time? · How much unemployment benefit would I get? · How much notice must my employer give? · What is my money worth after inflation?
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