State pension age if you were born in 1965

If you were born in 1965, your state pension age is 67, so you reach it in 2032. The table shows the month for each birth date, from GOV.UK's timetable. GOV.UK's checker gives your exact date.

Worked example: someone born in July 1965, aged 61, retiring at 63. The calculator works out the state pension age from the date of birth. Your money lasts to 95, with £126,663 left.

When you reach state pension age

Born	State pension age	You reach it in
January 1965	67	January 2032
February 1965	67	February 2032
March 1965	67	March 2032
April 1965	67	April 2032
May 1965	67	May 2032
June 1965	67	June 2032
July 1965	67	July 2032
August 1965	67	August 2032
September 1965	67	September 2032
October 1965	67	October 2032
November 1965	67	November 2032
December 1965	67	December 2032

How much you'll get

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

When you can take private pensions

You reached 55 in 2020, so most private pensions can be taken now if the scheme allows. The minimum age for taking most private pensions rises from 55 to 57 on 6 April 2028. You're 57 or over by then, so the rise doesn't affect you.

The years in between

Born in July 1965, there are about 12 years between the age most private pensions open (55) and your state pension age (67). Retiring in those years means paying your way from pensions, ISAs, savings or work until the state pension starts. The calculator marks those bridge years and shows what pays for them.

Taking it later

You don't have to claim at state pension age. For every 9 weeks you put it off, your state pension goes up by 1%: just under 5.8% for a full year. GOV.UK's example is a year's delay of the full new state pension adding £13.99 a week, and taking over 15 years to get back what was given up.

Could it change?

This is the state pension age in current law. The government launched a third review of state pension age in July 2025, looking at the latest life expectancy figures and other evidence.