Retirement Age Calculator: When Can I Retire?

Use this retirement age calculator to estimate a public-pension reference date from your birth date, or enter your own target retirement age. The country options refer to specific government programs — not a legal age when you must stop working.

Calculate a Pension or Retirement Target Date

Select a public pension program for a reference date, or enter a whole-number custom age to model a personal target. Government eligibility also depends on program rules beyond age, and future legislation can change these dates.

Date of Birth Reference program Custom Retirement Age (optional)

A custom age overrides the selected public-pension program. Results update automatically.

Want to estimate age by birth year first? Use the birth year age chart hub.

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U.S. Social Security full retirement age by birth year

Social Security full retirement age (FRA) is not 67 for every birth year. The official SSA schedule gradually increased FRA from 65 to 67. Enter your exact birth date above for the corresponding reference date.

Birth Year	Full Retirement Age
1937 or earlier	65
1938	65 years, 2 months
1939	65 years, 4 months
1940	65 years, 6 months
1941	65 years, 8 months
1942	65 years, 10 months
1943–1954	66
1955	66 years, 2 months
1956	66 years, 4 months
1957	66 years, 6 months
1958	66 years, 8 months
1959	66 years, 10 months
1960 or later	67

SSA notes that people born on January 1 use the full retirement age for the previous birth year.

Early, full and delayed Social Security benefits

Age 62: Social Security retirement benefits can generally start as early as 62, with a permanent reduction compared with waiting until FRA.
Full retirement age: The birth-year schedule above is the age for an unreduced retirement benefit under the FRA rules.
Up to age 70: Delaying after FRA can increase the monthly retirement benefit; delayed retirement credits stop increasing at age 70.

Public pension reference ages by country

These are age rules for the specific public programs named below. They are not mandatory retirement ages and do not determine when you can stop working or access every workplace/private pension.

Country	Program	Reference age	Important detail
United States	Social Security retirement	65–67 by birth year	67 for people born in 1960 or later; earlier cohorts use the SSA schedule above.
United Kingdom	State Pension	DOB-specific	Current law phases age 66 to 67 during 2026–2028; later cohorts reach 67 or 68 under the legislated timetable.
Canada	CPP retirement pension	65 standard	CPP can start from 60 to 70; starting before 65 reduces payments and starting after 65 increases them.
Australia	Age Pension	67 for 1957+	People born from 1 January 1957 have Age Pension age 67; income, assets, residence and other rules also apply.

Country-specific notes

UK: State Pension age is based on exact date of birth. The calculator follows the current legislated timetable for cohorts it can determine reliably and directs older historical cases to GOV.UK.
Canada: The calculator uses age 65 as the CPP standard start age. CPP can start as early as 60 or as late as 70.
Australia: The calculator uses the Age Pension qualifying-age schedule, not superannuation preservation age. Access to super is governed by separate rules.

Official retirement and pension sources

Because public pension ages can change, verify important decisions with the relevant government authority:

Verified: August 21, 2026. This calculator is for planning/reference use and is not financial advice.

Retirement target ages you can model

The custom-age field is useful when your personal retirement plan does not match a government pension age. For example, you can model age 55, 60, 62, 65, 67 or 70 and see the corresponding calendar date and time remaining.

A chosen retirement target is different from pension eligibility. Check your workplace pension, private savings, tax rules and government-program requirements separately.

Marking a milestone birthday on the way to retirement? A Milestone Birthday Newspaper Book collects real front pages from milestone years.

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Why Use a Retirement Age Calculator?

A retirement-date calculator can turn an age rule or personal target into a calendar date. It can help you compare public-pension reference ages with your own planning milestones without assuming that pension eligibility and stopping work are the same thing.

Find a public-pension reference date from your birth date.
See the time remaining to that date.
Model a different personal retirement target with the custom-age field.
Follow official links to verify current government-program rules.

Retirement age calculator: Frequently asked questions

When can I retire if I was born in 1960?

For U.S. Social Security, someone born in 1960 or later has a full retirement age of 67, so a person born in 1960 reaches FRA in 2027. Social Security retirement benefits can generally start at 62 with a reduced monthly benefit, while delaying after FRA can increase the monthly benefit up to age 70.

When can I retire if I was born in 1965?

For U.S. Social Security, someone born in 1965 has a full retirement age of 67 and reaches that age in 2032. A personal retirement date can be earlier or later depending on savings, pensions, work plans and benefit choices.

What is the retirement age in the USA?

U.S. Social Security full retirement age depends on birth year. It ranges from 65 for older cohorts to 67 for people born in 1960 or later. Social Security retirement benefits can generally begin at 62 with a reduction, and delayed retirement credits can increase benefits up to age 70.

What is the retirement age in the UK?

The UK does not have one mandatory retirement age. State Pension age depends on date of birth. Under current legislation it is transitioning from 66 to 67 during 2026–2028, and later cohorts reach 67 or 68 according to the legislated timetable. Use the official GOV.UK checker for your exact State Pension age.

How many years until retirement?

Enter your date of birth and select a public-pension reference program, or enter a custom target age. The calculator shows the reference date and the years, months and days remaining, or tells you when that date was reached if it has already passed.

Can I retire early?

Stopping work and starting a government pension are separate decisions. For example, U.S. Social Security retirement benefits can generally start at 62 with a reduction, while Canada CPP can start from 60. The UK State Pension cannot normally be claimed before State Pension age. Private and workplace pensions have their own rules.

Should I retire at 62, 65, or 67?

There is no single best retirement age for everyone. Those ages can correspond to different pension or planning milestones, but the right choice depends on finances, work plans, taxes, health, other income and program rules. Use the custom-age field to compare dates, then verify benefit decisions with the relevant official program or a qualified adviser.

Is retirement age the same everywhere?

No. Public pension programs use different ages and rules. U.S. Social Security FRA varies by birth year, UK State Pension age is DOB-specific, Canada CPP uses 65 as its standard start age with a 60–70 range, and Australia's Age Pension age is 67 for people born from 1 January 1957.

Do I need to retire at the official pension age?

No. A public pension age is generally an eligibility or benefit-calculation milestone, not a requirement to stop working. You may retire earlier using other resources or continue working after reaching a public pension age, subject to the rules that apply to you.