⏳ 2026-2028 Phase-In

State Pension Age & Triple Lock Checker

Find out exactly when you can retire and how much you will receive from the government under the latest Triple Lock guarantee.

State Pension & Triple Lock Checker

What year were you born?

Your Retirement Forecast

Your State Pension Age67

You will retire in:2037

Current Triple Lock Payout (2025/2026)

Weekly

£230.25

Annual

£11,973.00

*Payouts are based on the full new State Pension. You need 35 qualifying years of National Insurance contributions to get the full amount. Note that the government is phasing in the age 67 retirement bracket starting from 2026.

The Move to 67 Begins

The State Pension age is currently 66 for both men and women. However, starting in 2026, the government will begin the phased transition to raise the retirement age to 67.

If you were born after April 1960, you will be caught by this transition and have to wait until you are 67 to claim your state pension.

On the bright side, the Triple Lock guarantee has resulted in massive consecutive increases to the payout. The full new State Pension now pays nearly £12,000 a year, providing a significant baseline for your retirement income.

State Pension FAQs

When will the State Pension age increase to 67?

The government is phasing in the increase to 67 between 2026 and 2028. Anyone born after 5 April 1960 will face a State Pension age of at least 67.

How much is the State Pension currently?

Thanks to the Triple Lock, the new full State Pension for 2025/2026 is £230.25 per week, which equates to £11,973 per year.

Will the State Pension age rise to 68?

Yes, currently the rise to 68 is scheduled to happen between 2044 and 2046, which affects anyone born after April 1977. However, the government has been reviewing this and it may be brought forward to the late 2030s.

Do I automatically get the full Triple Lock amount?

No, the full amount (£230.25/week) is only available if you have 35 qualifying years of National Insurance contributions. If you have fewer years, you will receive a proportionally reduced amount.