State pension age and how much state pension you'll get

State pension age is 66 now and rising to 67 between 2026 and 2028. Under current law it rises again to 68 between 2044 and 2046. The full new state pension for 2026/27 is £241.30 a week, about £12,548 a year.

The calculator works out your state pension age from your date of birth. Worked example: someone born in 1968, retiring at 63 with a state pension forecast of £11,200 a year from 67. From 85, your income falls short of the £24,000 a year you want.

State pension age by date of birth

Born	State pension age
Before 6 April 1960	66
6 April 1960 to 5 May 1960	66 years and 1 month
6 May 1960 to 5 June 1960	66 years and 2 months
6 June 1960 to 5 July 1960	66 years and 3 months
6 July 1960 to 5 August 1960	66 years and 4 months
6 August 1960 to 5 September 1960	66 years and 5 months
6 September 1960 to 5 October 1960	66 years and 6 months
6 October 1960 to 5 November 1960	66 years and 7 months
6 November 1960 to 5 December 1960	66 years and 8 months
6 December 1960 to 5 January 1961	66 years and 9 months
6 January 1961 to 5 February 1961	66 years and 10 months
6 February 1961 to 5 March 1961	66 years and 11 months
6 March 1961 to 5 April 1977	67
6 April 1977 to 5 April 1978	Between 67 and 68: reached on set dates from 6 May 2044 to 6 March 2046
6 April 1978 or later	68

Some examples: born 20 October 1960, state pension age is 66 years and 7 months. Born in June 1965, it's 67. Born 15 August 1977, it's 67 years and 5 months. Born in 1980, it's 68. GOV.UK's checker gives your exact date.

A government review of state pension age is under way and could change the later rise to 68.

How much you'll get

• Full amount. £241.30 a week for 2026/27, about £12,548 a year.
• Qualifying years. You need at least 10 qualifying years of National Insurance to get any new state pension, and 35 for the full amount if your record started after April 2016. Records that started earlier can give a different amount.
• Your forecast. GOV.UK's State Pension forecast shows what you're on track for, and your National Insurance record shows any gaps.

Enter your forecast as "Per year" in the calculator's state pension section.

The state pension and tax

The state pension counts as taxable income. The full new state pension leaves only £22.40 of the £12,570 personal allowance in 2026/27, so most other income on top of it is taxed.

Before your state pension starts

Private pensions can usually be drawn from 55, rising to 57 on 6 April 2028. The years between retiring and your state pension age have to be paid from pensions, ISAs, savings or work. The calculator marks those bridge years and shows what pays for them.

Couples

Partners often reach state pension age at different times. In the calculator's couples mode each person has their own date of birth, state pension age and forecast.