Calculating your State Pension age
The State Pension age is the earliest age you can get your State Pension. Find out about the latest changes to State Pension age.
Current State Pension age
- for men born before 6 December 1953, the current State Pension age is 65.
- for women born after 5 April 1950 but before 6 December 1953, their State Pension age is between 60 and 65.
State Pension Calculator
Calculate when you’ll reach State Pension age or Pension Credit qualifying age and how much you may get in today’s money for your basic State Pension.
Increase in State Pension age to 66
Under the Pensions Act (Northern Ireland) 2012 women’s State Pension age will increase more quickly to 65 between April 2016 and November 2018. From December 2018 the State Pension age for both men and women will start to increase to reach 66 by October 2020.
These changes affect you if you're:
- a woman born on or after 6 April 1953
- a man born on or after 6 December 1953
The current law already provides for the State Pension age to increase to:
- 67 between 2034 and 2036
- 68 between 2044 and 2046
However, the UK government announced on 29 November 2011 that State Pension age will now increase to 67 between 2026 and 2028. This change is not yet law and will require the approval of the NI Assembly before it becomes law in NI.
The UK government is also considering how to make sure State Pension age continues to keep pace with increases in life expectancy. The government will bring forward proposals in due course.
Choices you have at State Pension age
State Pension age is not the same as retirement age. Retirement age is when you choose to retire, but you can still work after State Pension age.
When you reach State Pension age, you can:
- stop working and get your State Pension
- carry on working and get your State Pension as well
- carry on working and put off claiming your State Pension
If you put off claiming your State Pension, you may be able to get extra State Pension or a lump-sum payment when you do claim it.
If you go on working after State Pension age, you don't have to carry on paying National Insurance contributions.
Putting off claiming the State Pension
You can choose to put off claiming your State Pension for as long as you want. When you do claim you will will get your regular weekly State Pension and either:
- extra State Pension each for the rest of your life
- a one-off, taxable lump-sum payment (which will be equivalent to the State Pension you put off claiming, plus interest)
- State Pension deferral - taking up your State Pension later
Your State Pension age is the earliest age you can get your State Pension. This is not the same as retirement age. Retirement age is when you choose to retire. Find out when you can choose to retire.
Tell The Pension Service about a change in your circumstances
Find out what you need to report, such as a change of address or bank details.
More useful links
- How much income will you have in retirement?
- Working part time when you retire
- How to catch up if you've got little or no pension
- Financial support for retirement
- Pensions - an overview
- Increasing your income when you get to pension age
- Saving for retirement
- Getting a State Pension statement
- 'Lets talk money' on the AgeNI website