The average person said they would like to give up work when they were just over 62 years old, but the do not think they will be able to retire until they are 67.
The research, which was based on responses from 1,200 people, found that 40% of people think they will have to continue working past the age of 70, according to insurer Friends Provident.
For many people the decision to delay retirement is financial, with a third of people admitting they were not currently paying into a pension.
But for others the intention to keep working is also motivated by social concerns, with a quarter of people saying they thought they would get bored when they stopped working, while 52% said they enjoyed the social contact that came with a job.
People in Nottingham expect to have to work for the longest, with the average worker not anticipating retiring until they are over 68.
But workers in Birmingham and Wales typically hope to retire when they are 65.6 years old, below the age at which people will be able to claim their state pension from December 2018.
The hopes of people in Birmingham to retire when they are just over 65 comes despite the fact that 37% of people in the city do not have a pension.
Trevor Matthews, chief executive of Friends Provident Holdings, said: 'It is clear that people are more accepting of the fact that they will have to work longer.
'As individuals we now have more choices, but coupled with this comes increased responsibility and the need to plan adequately for retirement.
'It is crucial that we do this planning early enough in life whilst we have more options available to us rather than waiting until we reach our mid 60s when the only stark choices might be to keep working into our 70s or accept a lower than expected standard of living in retirement.'
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