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:
- Enough paid contributions: 35 years if born 1952-1961, 40 years if born 1962-1968, 41 years if born 1969-1975 and 42 years if born 1976 or later
- A yearly average of at least 50 weekly contributions
- Not engaged in any gainful occupation until statutory retirement age
The pension is not reduced for retiring at 61. If you qualify but keep working and claim later, it is increased for life by 6.5% (at 62), 13.5% (63), 21% (64) or 29% (65). There is no extra increase for claiming after 65.
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 contributions for a reduced pension; the full pension needs 30 to 42 years depending on your birth year
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 Tax and Customs Administration and the Department of Social Security.
Official Sources
Data verified as of 23 October 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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