Minimum Pension Age
The earliest age you can take money from a workplace or personal pension without a tax charge, and the rise due in April 2028.
Minimum pension age now
55 years
The earliest age most people can take money from a workplace or personal pension, unless they retire due to ill health.
GOV.UK — HMRC · checked 9 Nov 2026
Minimum pension age from 6 April 2028
57 years
Applies unless you have a protected pension age. Taking benefits earlier without one leads to a tax charge.
GOV.UK — HMRC · checked 9 Nov 2026
State Pension age if born on or after 6 March 1961
67 years
The State Pension is separate. You can usually take a private pension well before State Pension age.
Pensions Act 2014, explanatory notes · checked 9 Nov 2026