DWP Retirement Age: The traditional retirement age of 66 is changing, as the UK government adjusts policies to reflect longer life expectancy and a shifting economic landscape. Starting in 2026, the Department for Work and Pensions (DWP) will begin raising the State Pension age, a move that impacts millions of workers approaching retirement.
This change means individuals will have to work longer before accessing their State Pension. The new DWP Retirement Age will gradually rise to 67 by 2028, prompting people born between 1960 and 1961 to check their exact eligibility date. This article explains the upcoming changes, how to check your retirement age, and how to prepare for the shift.
DWP Retirement Age: What’s Changing in 2026?
The DWP Retirement Age is set to increase in stages over the coming years. While the current retirement age is 66, it will begin rising to 67 starting in May 2026 and be fully implemented by early 2028. This change is part of the government’s long-term plan to align the retirement age with longer life spans and to balance the financial sustainability of pension payouts. The rise in the DWP Retirement Age affects not only when people can start claiming their State Pension but also how they plan their finances and career in the final working years. For many, this change means adjusting retirement plans, delaying access to certain benefits, or even staying in the workforce longer than expected. It’s essential that individuals approaching this age review their National Insurance records and understand what the new timelines mean for their pension amount and long-term financial security.
Overview Table
| Detail | Information |
| Current Retirement Age | 66 |
| New Retirement Age (Starting 2026) | 67 |
| Transition Period | May 2026 to February 2028 |
| Applies To | People born between 6 April 1960 and 5 March 1961 |
| Full State Pension (2025/26) | £230.25/week or £11,973/year (New State Pension) |
| Basic State Pension (2025/26) | £176.45/week or £9,175/year |
| Future Pension Age (Next Stage) | Planned increase to 68 between 2044 and 2046 |
| Personal Allowance (Tax-Free) | £12,570 (Fixed for 2025/26) |
State Pension Age Changes and Future Projections
The phased rise from 66 to 67 by 2028 is just the beginning. This policy was outlined in the Pensions Act 2014 and aims to equalize the retirement age for men and women while reflecting demographic changes. The next proposed increase—from 67 to 68—is expected to occur between 2044 and 2046.
Future reviews of pension age changes are scheduled every five years. These reviews take into account life expectancy, economic forecasts, and public health data to determine whether further adjustments are necessary.
When Will Your State Pension Age Be?
Your specific retirement age depends on your date of birth. If you were born between 6 April 1960 and 5 March 1961, you will see your retirement age shift from 66 to 67 during the transition window.
- Born on 6 April 1960 – You will reach retirement age on 6 May 2026
- Born on 5 March 1961 – You will retire at 67, on 5 February 2028
If you are unsure of your eligibility date, it’s best to use the online pension age checker tool to get a personalized answer based on your birthdate.
How to Check Your State Pension Age Online
You can find your official retirement age using the free GOV.UK State Pension age tool. This tool provides:
- The exact date you become eligible to claim your State Pension
- Your Pension Credit qualifying age
- Information that helps with retirement planning
It’s accessible to anyone, regardless of age, and is a useful first step for those getting close to retirement.
State Pension Payment Rates for 2025/26
As of April 2025, the full New State Pension and Basic State Pension rates are as follows:
- Full New State Pension:
£230.25 per week | £921 every 4 weeks | £11,973 annually - Full Basic State Pension:
£176.45 per week | £705.80 every 4 weeks | £9,175 annually
These figures are based on having the required number of National Insurance contributions, which we’ll explain below.
Future Increases to the State Pension
The government has committed to keeping the Triple Lock policy in place, ensuring pensions rise by the highest of three measures: inflation, average earnings, or 2.5%. Here’s the projected growth for the coming years:
- 2025/26 – 4.1% increase
- 2026/27 to 2029/30 – 2.5% increase annually
This policy is vital in protecting pensioners from falling behind due to inflation or stagnant earnings.
Impact of the State Pension on Taxes
If the State Pension is your only source of income, you won’t have to pay income tax. The tax-free Personal Allowance remains at £12,570 for the 2025/26 tax year.
However, if you earn additional income from part-time work or private pensions, you may become liable for tax if your total income exceeds this threshold. It’s important to track your yearly income, especially since HMRC collects taxes retrospectively.
How to Get the Full New State Pension
To receive the full amount of the New State Pension, you must have at least 35 years of National Insurance (NI) contributions. If you have fewer years, you may still get a partial pension.
If you’re short on qualifying years, you can choose to top up your NI contributions. This can be done through:
- Your personal tax account
- The HMRC mobile app
- GOV.UK’s National Insurance payment portal
Before making any payments, check whether topping up is financially beneficial based on your expected retirement duration and pension shortfall.
FAQs
How can I check my State Pension age?
Use the GOV.UK online tool to find your exact retirement date and check eligibility for Pension Credit.
When will the State Pension age increase?
From 66 to 67 starting May 2026 and completing by February 2028.
How much will I receive from the State Pension in 2025?
The full New State Pension will be £230.25 per week, while the Basic State Pension is £176.45 per week.
Will I be taxed on my State Pension?
Only if your total income exceeds £12,570 annually. Pension-only earners are generally not taxed.
How can I top up my State Pension if I have missing NI contributions?
Check your contribution record online and pay for any missing years via HMRC’s portal or the mobile app.
Final Thought
With the DWP Retirement Age rising to 67 by 2028, preparing for retirement is more important than ever. Understanding when you’ll qualify for your State Pension, how much you’ll receive, and whether you need to top up your National Insurance record can make a big difference in your retirement comfort.
If you’re unsure about your pension timeline or have missing contributions, take action now. The tools and support available online make it easier than ever to stay informed and plan wisely for your future.
