Retirement Age Calculator by Date of Birth
Enter your date of birth to see your retirement age and date under seven official rule sets at once — US Social Security, FERS, UK State Pension, India, Canada, Australia and Pakistan. Each row links to its full calculator.
How it's calculated
Each row applies that rule set's official retirement age to your birth date: retirement date = date of birth + retirement age, with each scheme's own conventions (for example, Social Security's day-before-birthday rule and India's 1st-of-the-month rule are built into their rows).
An estimate from official rules — confirm your official date with the scheme itself. Learn the method step by step.
Examples
Born 15 March 1985:
| Rule set | Age | Date |
|---|---|---|
| US Social Security (full) | 67y | 14 March 2052 |
| FERS (MRA) | 57y | 15 March 2042 |
| UK State Pension | 68y | 15 March 2053 |
| India (central govt) | 60y | 31 March 2045 |
| Canada (CPP standard) | 65y | 15 March 2050 |
| Australia (Age Pension) | 67y | 15 March 2052 |
| Pakistan (federal) | 60y | 15 March 2045 |
What each row means
- US Social Security — your full retirement age (66–67 by birth year) and the date you reach it. Claiming can start at 62 and delayed credits stop at 70.
- FERS — your minimum retirement age (MRA). Reaching MRA is only the age half of eligibility; you also need enough years of federal service.
- UK State Pension — your State Pension age from the official timetable and the date you reach it.
- India (central government) — superannuation at 60, with the 1st-of-the-month rule applied.
- Canada — the standard CPP/OAS date at 65. CPP can be taken any time from 60 to 70.
- Australia — your Age Pension date (67 for anyone born from 1957).
- Pakistan — federal civil-service superannuation at 60.
Related tools
- Retirement Countdown Calculator
- 60 Years Retirement Date Calculator
- Retirement Date Calculator by Years of Service
Related guides
Sources: US Social Security Administration · US Office of Personnel Management · UK Department for Work and Pensions · India Department of Personnel & Training · Government of Canada · Services Australia · Government of Pakistan (ESTACODE)
Frequently asked questions
Which country's row should I use?
Use the rule set for the scheme you belong to — where you worked and paid in. If you split your career between countries, each scheme gives you its own date; this table shows all of them so you can compare.
Why do the retirement dates differ so much between rows?
Because the ages differ (58 to 67+) and each scheme has its own conventions. A two-year age difference moves the date by two years, and rules like India's month-end convention or Social Security's day-before-birthday rule shift individual rows by days or weeks.
Does the FERS row mean I can retire on that date?
Not by itself. The FERS row shows when you reach your minimum retirement age — but FERS also requires enough years of federal service (for example, MRA with 30 years, or 60 with 20). Use the FERS calculator with your service dates for your real eligibility dates.
What is the day-before-birthday rule in the Social Security row?
Social Security counts you as reaching an age the day before your birthday, so the full retirement date shown is one day before the anniversary. Someone born on 1 January also uses the previous birth year's row. Both rules are built into the calculation.
I worked in two countries. Which date is my retirement date?
There isn't one single date — each pension scheme pays from its own eligibility date. Many people have two or three different "retirement dates" and draw each pension as it becomes due. This table lays them side by side.
Are these dates exact?
They're computed directly from each scheme's official rules, which is as exact as a calculator gets. But schemes can have individual exceptions (special provisions, buybacks, breaks in service), so confirm the official date with the scheme before making plans.