Pensions & Retirement

State Pension Age by Birth Year — Quick Reference Table

Find your State Pension age based on your date of birth, including upcoming changes and how to check your exact date online.

By PocketWise · · 3 min read

Pension information is based on current UK legislation. Pensions are regulated by the FCA and The Pensions Regulator. This is not financial advice — consider consulting an FCA-regulated financial adviser.

If you are mapping retirement targets, contribution strategy, and consolidation decisions together, use the Pension Planning Hub as your central guide.

Your State Pension age depends on when you were born. Use the tables below to find yours.

Read more: See our State Pension guide for a complete overview of this topic.

State Pension Age: Quick Reference

Already Reached State Pension Age

Date of birth State Pension age Already reached?
Before 6 October 1954 (men) 65 Yes
Before 6 July 1951 (women born before 6/4/1950) 60 Yes
6 April 1950 – 5 April 1953 (women) 60–64 (phased increase) Yes
6 April 1953 – 5 December 1953 63–65 (phased increase) Yes
6 December 1953 – 5 October 1954 65–66 (phased increase) Yes

State Pension Age: 66

Date of birth State Pension age
6 October 1954 – 5 March 1961 66

State Pension Age: 66 to 67 (Transition Period — 2026 to 2028)

Date of birth State Pension age Approximate date you’ll reach SPA
6 March 1961 66 years, 1 month May 2027
6 April 1961 66 years, 2 months June 2027
6 May 1961 66 years, 3 months August 2027
6 June 1961 66 years, 4 months October 2027
6 July 1961 66 years, 5 months December 2027
6 August 1961 66 years, 6 months February 2028
6 September 1961 66 years, 7 months April 2028
6 October 1961 66 years, 8 months June 2028
6 November 1961 66 years, 9 months August 2028
6 December 1961 66 years, 10 months October 2028
6 January 1962 66 years, 11 months December 2028
6 February 1962 67 years February 2029
6 March 1962 onwards 67 67th birthday

State Pension Age: 67

Date of birth State Pension age
6 March 1962 – 5 April 1977 67

State Pension Age: 67 to 68 (Future — Dates TBC)

Date of birth State Pension age Status
6 April 1977 onwards 67 to 68 Government review pending — no confirmed timetable

Note: The increase from 67 to 68 was originally planned for 2044–2046 but has been deferred. A future government review will confirm the dates.

How to Check Your Exact State Pension Age

Method Detail
Online calculator gov.uk/state-pension-age — enter your date of birth
State Pension forecast gov.uk/check-state-pension — see your forecast amount and date
Call DWP 0800 731 0175 (State Pension claim line)

Key Dates Summary

Change Date range
Women’s SPA equalised at 65 November 2018
SPA increased from 65 to 66 December 2018 – October 2020
SPA increasing from 66 to 67 May 2026 – March 2028
SPA increasing from 67 to 68 TBC (originally 2044–2046, now under review)

What If You Can’t Work Until State Pension Age?

Situation Options
Unemployed Jobseeker’s Allowance or Universal Credit
Too ill to work ESA or PIP
Caring for someone Carer’s Allowance
Low income Pension Credit (from State Pension age)
Private/workplace pension May be accessible from age 55 (rising to 57 from 2028)

Deferring Your State Pension

Feature Detail
Can you defer? Yes — you don’t have to claim at State Pension age
Increase rate 1% for every 9 weeks you defer (~5.8% per year)
Example Defer for 1 year: £230.25/week × 5.8% = £13.35/week extra for life
Backdated lump sum You can claim up to 12 months backdated (at the rate you would have received)
Tax The extra pension is taxable as income
Worth it? Generally yes if you have other income and are in good health

Sources

  1. GOV.UK — Check your State Pension age