The state pension retirement age in the UK is one of the most important factors in planning financial security for later life. Until recently, most people expected to retire at 65 — but rising life expectancy, economic pressures, and government policy changes are now pushing retirement further away. If you’re wondering whether the UK pension age will increase to 67 or even 68, this guide explains everything clearly.
What Is the Current State Pension Age in the UK?
As of now, the UK state pension age is 66 for both men and women. This means you can start claiming your State Pension once you turn 66 — but only if you have at least 10 qualifying years of National Insurance contributions.
You can check your exact eligibility using the official tool:
👉 https://www.gov.uk/state-pension-age
Why Are Retirement Concerns Increasing Among Brits?
According to recent surveys, more than 60% of people in their 50s are worried they won’t be able to retire comfortably. Inflation, rising rent, mortgage pressure, and low savings have forced many to delay retirement plans.
Many people hope to retire around 62, but realistically expect to work until 67 — creating a major retirement confidence gap.
Pension Age Timeline: From 66 to 67 to 68
| Year | State Pension Age | Status |
|---|---|---|
| 2024–2025 | 66 | Current |
| 2026–2028 | 67 | Confirmed Increase |
| 2044–2046 | 68 | Approved Legally |
| Possible Earlier Revision | 68 by 2037? | Under Review |
The government has already confirmed that the state pension age will increase from 66 to 67 between 2026 and 2028.
A further rise to 68 is already written into law, although the timeline may be accelerated depending on future economic reports.
How to Check Your Personal Pension Age Online
Many people assume their pension age is 65 or 66 — but it may already be higher, depending on your date of birth.
✅ Use the official calculator:
👉 https://www.gov.uk/state-pension-age
Just enter your DOB and it will show the exact age when you qualify.
Can You Retire Early Before the Pension Age?
Yes — but you won’t receive State Pension payments early. You would need alternate income sources such as:
- ✅ Private pension or workplace pension
- ✅ ISA or savings withdrawals
- ✅ Part-time work / flexible retirement
Some people retire at 60, but wait until 66+ to claim the pension.
Financial Planning Tips for Delayed Retirement
If the pension age keeps increasing, here’s how to stay prepared:
✔ Increase private pension contributions while working
✔ Avoid relying only on the State Pension — it currently pays around £221 per week (full rate)
✔ Consider part-time work or phased retirement
✔ Track your National Insurance record to avoid missing qualifying years
Final Thoughts
The state pension retirement age in the UK is no longer fixed. While it currently stands at 66, it is rising to 67 soon, and 68 is inevitable. Rather than waiting for government policy to decide your future, now is the time to check your pension age, increase savings, and plan early for flexibility.
FAQs on UK State Pension Age
1. What is the current State Pension age in the UK?
The current pension age is 66 for both men and women.
2. When will the pension age increase to 67?
It will rise to 67 between 2026 and 2028.
3. Will the pension age increase to 68 sooner?
Yes, the government is reviewing whether to bring the increase forward, possibly before 2044.
4. Can I get my pension early?
You cannot claim the UK State Pension early, but you can retire early if you have private savings.