As the UK grapples with economic shifts, demographic trends and an ageing population, the state pension age remains crucial in retirement planning. In 2025, while no immediate changes in state pension age in the UK are scheduled, a significant government review is underway that could reshape future policies. The HR Digest has crafted a guide that breaks down the essentials of UK state pension age changes, retirement age increases, and their implications for workers.
The UK state pension age is 66, but retirement age increases loom, with 67 set for 2026–2028. A 2025 review could reshape the new state pension age. (Image: Pexels)
What is the current state pension age in the UK?
The state pension age in the UK is currently 66 for both men and women. This milestone was reached in 2000 after a phased alignment of women’s pension age with men’s. If you were born before April 6, 1960, your state pension age might slightly differ based on your exact birth date. For most, however, 66 is the standard. To confirm your personal state pension age, use the government’s online tool on GOV.UK, which calculates your eligibility based on your date of birth.
Are there any state pension age changes in 2025?
In 2025, the UK state pension age remains unchanged at 66. However, a third independent review, mandated by the Pensions Act 2014, was launched in July 2025 to assess whether the current age aligns with evolving life expectancy, economic realities and societal needs. Led by Dr. Suzy Morrissey, with analysis from the Government Actuary’s Department (GAD), this review includes a public call for evidence issued in August 2025. While outcomes aren’t yet available, this process could signal future state pension age changes in UK.
What are the upcoming retirement age increases in the UK?
The state pension age is set to rise to 67 between May 2026 and March 2028. This retirement age increase in the UK affects those born between April 6, 1960 and March 5, 1961. Your precise pension age depends on your birth month. For example, someone born in April 1960 will reach their state pension age at 66 years and 1 month.
A planned increase to 68 is scheduled for 2044-2046, though the ongoing 2025 review could further accelerate this timeline based on life expectancy data. This retirement age increases in the UK aim to ensure the pension system’s sustainability as lifespans extend. What’s worth mentioning is that the increases have sparked debates on fairness, especially for those in physically demanding jobs.
How will the new state pension age in the UK affect my retirement plans?
The new state pension age in the UK could mean working longer. This may end up impacting your savings before you are able to access your state pension.
For example, if you’re in your 50s now, the shift to 67 might require boosting private pensions or adjusting career timelines. Experts recommend reviewing your National Insurance contributions to qualify for the full state pension. As of now, it stands at £230.25 per week after a 4.1% increase in April 2025 under the triple lock mechanism.
Gaps in your record can be filled by voluntary contributions, potentially worth thousands over retirement. For personalized advice, you can visit our article on how to maximize your pension benefits.
Gaps in your record can be filled by voluntary contributions, potentially worth thousands over retirement.
What factors are considered in state pension age changes?
State pension age changes are largely influenced by life expectancy, affordability and societal needs. The 2025 review is examining updated date on healthy life years, workforce participation and economic pressures. Previous reviews in 2017 and 2023 led to confirmed increases. There’s a possibility the current review might propose accelerating the rise to 68 or even higher, potentially to 70 by the 2040s if trends continue.
How can I check my personal state pension age and forecast?
To verify your state pension age, use the official GOV.UK checker by entering your date of birth and gender. Additionally, request a state pension forecast to see your projected amount and any shortfalls in contributions. This tool is invaluable for planning amid state pension age changes in the UK.