Malta Retirement Age 2026: Complete Guide
Your statutory retirement age in Malta depends on when you were born.
How Retirement Age Works in Malta
The retirement age in Malta has been gradually increasing since reforms in 2007. Under the Social Security Act (Cap. 318), your statutory retirement age is determined by your year of birth.
Retirement Age by Birth Year
| Year of Birth | Retirement Age |
|---|---|
| 1951 or earlier | 61 (Male) / 60 (Female) |
| 1952 - 1955 | 62 |
| 1956 - 1958 | 63 |
| 1959 - 1961 | 64 |
| 1962 or later | 65 |
Early Retirement Option
You may be eligible to retire at 61 years old if you meet these conditions:
- At least 35 years of National Insurance contributions
- Minimum of 50 weekly contributions per year
- Not engaged in any gainful occupation until statutory retirement age
Early retirement may result in a reduced pension amount.
Pension Eligibility
To qualify for a full pension in Malta, you generally need:
- To reach your statutory retirement age
- Sufficient National Insurance contributions
- At least 10 years of paid or credited contributions
Malta Calculator Editorial Team
Financial Content Specialists | Malta Tax & Employment Experts
Our team specializes in Maltese tax law, social security contributions, and employment regulations. All content is reviewed against official sources from the Malta Commissioner for Revenue and the Department of Social Security.
Official Sources
Data verified as of 1 January 2026. Rates and thresholds are subject to change based on Malta government budget announcements.
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Retirement age going up to 65 is tough for people in physical jobs. Not everyone can work in an office till 65. The government should consider different ages for different professions.
The calculator on this site helped me figure out exactly when I can retire and how much I'll get. Very useful! Born in 1971 so looks like 65 for me 😅
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