Context. SN 1987A is the supernova closest to us observed in the past four centuries. It provides the unique opportunity of witnessing the birth and evolution of a supernova remnant. Monitoring the source in X-rays provides insights into the physics of the shock, the X-ray emitting plasma, and the interaction of the shock with the structures in the circumstellar medium. The source has been monitored by XMM-Newton EPIC-pn from 2007 to 2020. SRG/eROSITA also observed the source during its commissioning phase and first light in September and October 2019.Aims. We investigated the spectral and flux evolution of SN 1987A in X-rays in the last 14 yr up to November 2020 using XMM-Newton and eROSITA observations.Methods. We performed a detailed spectral analysis using a three-component plane-parallel shock model and analysed and modelled the EPIC-pn monitoring and eROSITA observations in a consistent manner.Results. This paper reports a complete and the most recent flux evolution of SN 1987A in the soft (0.5−2 keV) and hard (3−10 keV) X-ray band. The flux in the soft band flattened around 9424 days and then displayed a turnover between 10 142 and 10 493 days, after which it showed a continued decline. At about the same time, a break in the hard-band flux time evolution slope was detected. This implies that the blast wave has now passed beyond the dense structures of the equatorial ring and is expanding farther into more tenuous circumstellar medium. The temporal evolution of the normalisations of the three shock components match the results of hydrodynamical simulations well, which predict a blue supergiant progenitor scenario. The trend in recent epochs indicates that the emission caused by the forward shock after leaving the equatorial ring and by the reverse shock in the ejecta is now becoming more dominant. The elemental abundances in the hot plasma component are significantly higher than those in the cooler component, indicating an origin in the reverse shock that propagates into the ejecta.Key words: ISM: supernova remnants / ISM: individual objects: SN 1987A / Magellanic Clouds / radiation mechanisms: general