About this calculator
This is the companion to the country pension calculators, and it answers a different question from the savings Retirement Calculator: not "how much will I have", but "when does my country let me start its national pension, and when do I reach the full rate". The two must not be confused — a savings pot has no statutory age, and a national pension age says nothing about how much it pays.
The dates here are age-reached dates: your birth date plus the statutory age for your cohort. They are not first payment months, which follow each system’s own payment rules, and they are not employment retirement ages — in most of these countries there is no single mandatory retirement age, and your employer’s rules are a separate matter.
Three cautions run through every country. First, reaching an age is not the same as qualifying: most systems also require a contribution, residence or quarter record, and this page flags that gap instead of pretending the age settles it. Second, claiming early or late changes the amount, sometimes permanently — this page dates the choice and sends you to the country amount calculator for the money. Third, cohort tables change: France is currently on a suspended-reform table to 2028, and the UK’s 67-to-68 timetable is legislated but reviewable, so re-check the official source before acting on a date decades away.
How to use it
- Enter your date of birth and pick your country.
- If you picked China, also pick your category (male, former 55-year female category, or former 50-year female category, as recognised in your personnel record). If you picked Brazil, also pick female or male, and whether you joined INSS before 13 November 2019.
- Read the full-rate date first, then the earliest and latest dates — and the note, which states the conditions the date alone does not settle.
- Follow the link in the result to your country’s pension calculator to work out the amount at that age.
The formula
Each country’s table is implemented literally: the US uses SSA birth-date intervals (a 1 January birth falls in the previous interval); the UK 67-to-68 step uses the legislated arrival-date table, never age addition; Australia rolls month-end dates forward per the DSS guide while the UK clamps them to month-end; China’s statutory date is derived from the State Council delay rhythm and disclosed as derived, not as a line-by-line appendix check; Brazil’s transition earliest date assumes the contribution requirement is met and says so. Amounts, delay/early percentages and eligibility verdicts are deliberately not computed here.
Worked example
Born 15 March 1960 in the United States: full retirement age 67, so the full-rate date is 15 March 2027, the earliest date (62) is 15 March 2022 and delayed credits stop at 70 on 15 March 2030. Born 10 March 1965 in France: under the post-suspension table the statutory age is 62 years and 9 months, so the full-rate date is 10 December 2027 — not 10 June 2028, which the pre-suspension 2023 table would have given — and the full rate is guaranteed at 67 on 10 March 2032 regardless of quarters. Born 15 May 1966 in China (male employee): the delay rhythm gives 60 years and 5 months, so the statutory date is 15 October 2026, with the original 60th birthday on 15 May 2026 as the earliest elastic date.
Sources: SSA 20 CFR 404.409 (ssa.gov/OP_Home/cfr20/404/404-0409.htm); GOV.UK State Pension age timetable (gov.uk/government/publications/state-pension-age-timetable/state-pension-age-timetable); Canada.ca CPP/OAS when-to-start pages; Services Australia Age Pension + DSS Social Security Guide 3.4.1.10; service-public.gouv.fr post-suspension retirement age pages (in force 1 September 2026, suspension to 2028); State Council pension Measures Art. 1 (delay rhythm, from 1 January 2025); INSS aposentadoria programada (gov.br/inss); Japan Pension Service old-age benefit pages; DRV Regelaltersgrenze + SGB VI section 235; National Pension Service old-age pension age table. Verified October 2026. China dates are derived from the rhythm rule (see page note), not from a line-by-line appendix check. Last updated: October 2026.
Frequently asked questions
Is this the age I must stop working?
No. This page dates national pension claiming ages, not employment retirement. Most of these countries have no single mandatory retirement age, and your contract or employer scheme may set its own date. Stopping work and starting a pension are two different decisions that happen to share a birthday.
Why does the earliest date say "no unconditional date" for France?
Because France’s early retirement for long careers depends on how many quarters you have validated and when you started work (from 58, 60, 62 or 63), not just on your birth date. Any page that gave you a single earliest date from birth date alone for France would be inventing the quarter condition. The statutory date and the guaranteed full rate at 67 are the two dates birth date alone settles.
Why does China’s note say "derived" instead of just giving the date?
Because China’s 2025 reform sets the delay as a rhythm rule (so many months per cohort), and the year-by-year statutory appendix was not pinned line by line in the sources checked. The rhythm plus published male-cohort anchors reproduces the known cases exactly, but honesty requires saying the date is derived from the rule and should be confirmed against your local table — especially for the former 50-year female category, which has no published anchor in the sources checked.
Why are Germany and South Korea here if their pension amount calculators were held back?
Because age and amount are different questions. Germany’s statutory pension age (DRV / SGB VI section 235) and South Korea’s National Pension age table are both verifiable from official sources on their own, even though their amount formulas were not verified well enough to publish. This page therefore dates their ages and links to the finance hub, and it does not smuggle in any amount formula.
My country’s date is decades away — can I rely on it?
Treat it as the current-law date, not a promise. Pension ages are changed by legislation: France’s table is suspended to 2028 and may revert, and the UK states its 67-to-68 timetable may change on future review. Re-check the official source in the year you approach the age.
Does reaching the age mean I qualify for the pension?
Not by itself. The US needs contribution credits, Australia needs residence, France needs quarters, Brazil needs contribution years, Japan needs 10 years of coverage, Germany needs a 5-year waiting period, and so on. Each country’s note names its separate condition; this page never issues an eligibility verdict.
What formula does this Retirement Time calculator use?
Full-rate date = birth date + statutory age for your birth cohort (country table); Earliest date = birth date + earliest claiming age (where one exists; otherwise the full-rate date, or no unconditional date where it depends on contribution history); Latest date = birth date + delay cap (where one exists); Months to full = whole months from today to the full-rate date Each country’s table is implemented literally: the US uses SSA birth-date intervals (a 1 January birth falls in the previous interval); the UK 67-to-68 step uses the legislated arrival-date table, never age addition; Australia rolls month-end dates forward per the DSS guide while the UK clamps them to month-end; China’s statutory date is derived from the State Council delay rhythm and disclosed as derived, not as a line-by-line appendix check; Brazil’s transition earliest date assumes the contribution requirement is met and says so. Amounts, delay/early percentages and eligibility verdicts are deliberately not computed here. The worked example on this page applies the formula step by step with real numbers, so you can verify the result by hand.