What does the State Pension Age Calculator do?

Find your State Pension age based on date of birth. See exact date and days remaining. All calculations are performed in your browser using official UK rates and thresholds.

Are these figures guaranteed?

No. Pension projections are estimates based on assumed growth rates and current contribution levels. Actual returns depend on investment performance, fees and future policy changes.

What is the pension annual allowance?

The pension annual allowance for 2025/26 is £60,000. This is the maximum you can contribute (including employer contributions) and receive tax relief. The allowance is tapered for high earners.

State Pension Age Calculator

Find your State Pension age based on date of birth. See exact date and days remaining.

Last updated: April 2026 · Source: GOV.UK

Date of Birth

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Disclaimer

This calculator is provided for informational purposes only and should not be considered as financial or tax advice. All calculations are performed locally in your browser — no personal data is collected or sent to our servers. Rates and thresholds are sourced from HMRC and GOV.UK and are updated for the current tax year. Always verify results with HMRC or consult a qualified professional before making financial decisions.

How It Works

State Pension age in the UK follows a legislated schedule set by the Pensions Act 2014 and subsequent reviews. The current State Pension age is 66 for both men and women. It is legislated to rise to 67 between May 2026 and March 2028 (phased by date of birth), and then to 68 between 2044 and 2046. The government periodically reviews the timetable; the 2023 review confirmed the rise to 67 but deferred the decision on the rise to 68.

The calculation maps your date of birth to the exact date you reach State Pension age using the published tables. For those born between 6 March 1961 and 5 April 1977, State Pension age is 67. For those born after 5 April 1977, the currently legislated age is 68 (between 2044-2046), though this is subject to future review. The phasing means people born a day apart can have State Pension ages months apart during transition periods.

The calculator factors in the state pension age for both new State Pension and the basic/additional State Pension for those who reached pension age before April 2016. It also shows how many years remain until your State Pension age, helping with retirement planning. The government's principle is that people should spend up to one-third of adult life in retirement, which guides future age increases linked to life expectancy projections.

State Pension age for someone born 15 September 1970

Date of birth: 15 September 1970
Born between 6 April 1961 and 5 April 1977: State Pension age = 67
State Pension date: 15 September 2037
Current age (April 2026): 55 years old
Years until State Pension: 11 years and 5 months remaining

Source: GOV.UK

Frequently Asked Questions

What does the State Pension Age Calculator do?: Find your State Pension age based on date of birth. See exact date and days remaining. All calculations are performed in your browser using official UK rates and thresholds.
Are these figures guaranteed?: No. Pension projections are estimates based on assumed growth rates and current contribution levels. Actual returns depend on investment performance, fees and future policy changes.
What is the pension annual allowance?: The pension annual allowance for 2025/26 is £60,000. This is the maximum you can contribute (including employer contributions) and receive tax relief. The allowance is tapered for high earners.