In 2025, significant updates to the UK State Pension age are on the horizon. While most people still receive their pension at 66, the age will gradually rise to 67 from 2026 to 2028. Understanding these shifts is vital for retirement planning, National Insurance strategy, and timing your claim.
Timeline of State Pension Age Changes
| Date of Birth | SPA in 2025 | SPA from 2026–28 |
|---|---|---|
| Born before 6 April 1959 | 66 | — |
| 6 April 1959 – 5 March 1960 | 66 to 67 | Depends on exact DOB |
| Born after 6 March 1960 | Not yet reached | 67 years by 2028 |
February 2025 reports confirm SPA remains at 66 until May 2026
Gradual increases to 67 will occur monthly between May 2026 and 2028 .
2025 Pension Amount Updates
From 6 April 2025, both the new and basic State Pensions will rise by 4.1% under the triple lock — the highest of inflation, wage growth, or 2.5%
- New State Pension: £230.25/week (up from £221.20)
- Basic State Pension: £176.45/week (up from £169.50)
- Pension Credit: Guarantee Credit rises to £227.10/week, Saving Credit adjusted accordingly
Why It Matters
- Delayed Retirement Income: Those approaching 66 should check exact SPA using the GOV.UK tool to avoid gaps in pension access
- Financial Planning: With SPA rising, pension contributions and personal savings may need adjusting.
- Tax Implications: Increased pension income may move some pensioners into taxable territory, especially with higher personal allowance thresholds
National Insurance & Pension Credits
- A minimum of 35 qualifying years of NI contributions is required for the full new State Pension (or 30 years for the old Basic Pension).
- NI credits count during unemployment, child care, or illness; voluntary top-ups are possible for gaps
- State Pension deferral (up to age 70) increases payments by 5.8% per year if not claimed at SPA
What You Should Do Next
- Use the SPA checker on GOV.UK to confirm your retirement date.
- Review your NI record online; consider voluntary contributions if needed.
- Factor in the April 2025 pension boost for budgeting.
- Assess tax exposure—the increase might push income above the personal allowance.
- Decide on deferral—whether delaying your pension makes sense financially.
FAQs
1. When will my State Pension age change?
Between May 2026 and 2028, your SPA depends on your exact date of birth. Most born after 5 March 1960 will retire at 67.
2. How much will I get in 2025?
New pension: £230.25/week; Basic pension: £176.45/week. Pension Credit also increases accordingly.
3. Can I still retire earlier?
You can take private pensions from age 55 (rising to 57 in 2028), but State Pension must wait until SPA. Deferral increases the weekly amount.
4. What qualifies for a full State Pension?
You need 35 qualifying years of NI for new pension, or 30 for basic, with NI credits or voluntary contributions filling gaps.
5. Will the SPA rise again to 68?
Possibly—legislation allows increases to 68 by 2046. Spurs monitoring due to population aging and fiscal pressures.
Final Thoughts
The 2025 State Pension updates bring clarity and challenges. The April pension rise provides welcome relief, but the forthcoming increase in SPA demands attention from those nearing retirement.
The key is staying informed, checking your records, and planning accordingly. Whether you’re five years away or already retired, this is a time to update your retirement strategy.