That is different for everyone. Some won't be mentally ready before they turn 30!
Where I live, denmark, the age where you can have sex with an older person is 15. And truly alot of 15 years old don't even have a brain yet! Lol others are mature enough.
So you can't really put sex into number can you?
I'd say youre ready when you feel you are ready and when you can handle the consequenses of becoming pregnant by accident.
This means - comdom broke? Well tough luck, deal with it. You were old enough to have sex, youre old enough to give birth to the child and give it to someone more responsible if you can't financially and emotionally take care of it yourself.
Just my point of view. :)