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Last updated: 12 July 2026. The UK State Pension age is 66, rising to 67 between 6 April 2026 and 6 April 2028 — anyone born on or after 6 March 1961 reaches it at 67. A further rise to 68 is legislated for 2044–2046 but is under review. The age is gender-neutral. Source: GOV.UK — State Pension age.
⚖︎ Results are for informational purposes and do not constitute tax advice. For specific situations, consult a licensed accountant or the relevant tax authority.
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iHow it is calculated
Unlike a workplace or private pension, the State Pension cannot be taken early — you must reach State Pension age (SPA). Your SPA is set purely by your date of birth: it is currently 66 and rises to 67 for anyone born on or after 6 March 1961, phased in between April 2026 and April 2028. A separate rule — 35 qualifying NI years for the full amount, 10 for any — decides how much you get, not when you get it.
State Pension age = f(date of birth) · 66 → 67
Someone born on 1 May 1961 reaches State Pension age at 67, because they were born on or after 6 March 1961. Someone born in 1958 is already 66 and has reached theirs. The age is identical for men and women, and the State Pension cannot be claimed before it — only a private or workplace pension can be taken earlier.
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?Frequently asked questions
What is the State Pension age in the UK in 2026?
It is currently 66 for both men and women. It is rising to 67, phased in between 6 April 2026 and 6 April 2028. Anyone born on or after 6 March 1961 has a State Pension age of 67.
When does the State Pension age rise to 67?
The increase from 66 to 67 is phased in between 6 April 2026 and 6 April 2028. People born between 6 April 1960 and 5 March 1961 reach it on a date that depends on their birthday; anyone born on or after 6 March 1961 reaches it at 67.
Will the State Pension age rise to 68?
A rise to 68 is legislated to happen between 2044 and 2046, but it is under review and could be brought forward. Any change would be confirmed in law before it takes effect, so check GOV.UK for the latest position.
Does the State Pension age depend on gender?
No. Since the equalisation of men's and women's pension ages completed in 2018, the State Pension age is the same regardless of gender. It is determined solely by your date of birth.
How is my exact State Pension age worked out?
Your State Pension age is read off the government's timetable using your date of birth. During the transition to 67, the exact date you reach it can fall between your 66th and 67th birthday depending on when you were born.
Can I take my State Pension early?
No. Unlike a workplace or personal pension (which you can usually access from age 55, rising to 57 from 2028), the State Pension cannot be claimed before you reach State Pension age.
How many National Insurance years do I need?
You need at least 10 qualifying years to get any new State Pension, and 35 qualifying years for the full amount. This affects how much you receive, not the age at which you can claim it.
Can I defer my State Pension?
Yes. If you delay claiming after reaching State Pension age, your State Pension increases by about 1% for every 9 weeks you defer — roughly 5.8% for a full year — provided you defer for at least 9 weeks.
Where can I check my State Pension age?
Use the official GOV.UK tool (Check your State Pension age) with your date of birth. This calculator gives an indicative result; GOV.UK confirms your exact date and lets you get a State Pension forecast.
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