The state pension age in the UK affects when you can start receiving your State Pension. With changes planned for the coming years, many people are asking: When exactly can I claim my pension? and Will the age rise again soon?
This guide breaks down what’s happening in 2025, who is affected, and how to plan around it.
What is the state pension age in 2025?
As of 2025, the state pension age remains 66 for both men and women. This applies if you were born between 6 October 1954 and 5 April 1960.
However, the government has confirmed that the pension age will rise to 67 between 2026 and 2028. The long-term plan is to gradually increase it to 68, but this won’t happen until at least the late 2030s.
📌 To check your exact retirement age, use the official tool: gov.uk/state-pension-age
Who does this affect?
You should check the state pension age if:
- You’re approaching your mid-60s
- You’re planning early retirement
- You were born after 1960 (as your pension age may rise)
Knowing your exact state pension age is essential for budgeting and retirement planning. It affects when you can stop working, when your National Insurance record matters most, and when you’ll start receiving payments.
💡 Also read: Understanding the UK State Pension – eligibility and benefits
Will the state pension age rise again?
Yes, but not in 2025. The UK government reviews the State Pension age every 5 years, considering:
- Life expectancy
- Employment trends
- Affordability of the system
The next scheduled increase is to 67 by 2028, affecting people born after April 1960. A rise to 68 was being considered for those born in the 1970s and later, but it’s now delayed until further review.
Can you claim your State Pension early?
No — you can only claim it from your official State Pension age. However, if you need income earlier, you can:
- Access private or workplace pensions (often from age 55 or 57)
- Use savings or part-time work to bridge the gap
For low-income households, Pension Credit may help until your State Pension begins.
💡 Find out how Pension Credit works
How to plan for retirement around your State Pension age
Knowing when your State Pension begins is just one part of the puzzle. You’ll also want to:
- Check your National Insurance record for gaps
- Review your private and workplace pensions
- Consider retirement budgeting and expenses
You can check your full forecast here: gov.uk/check-state-pension
Final thoughts
The state pension age in the UK will stay at 66 through 2025, but future increases are on the horizon. If you’re approaching retirement, make sure you understand how this affects your timeline and take advantage of the resources available.
