How much will your pension be?
Enter your age, your years of work and your salary. See your estimated state pension in today's money, your retirement age and how much you need to save to close the gap.
- mypensionkit.com/al Albania, Shqip
- mypensionkit.com/au Australia, English
- mypensionkit.com/at Austria, Deutsch
- mypensionkit.com/ba Bosnia and Herzegovina, Bosanski
- mypensionkit.com/ca Canada, English
- mypensionkit.com/hr Croatia, Hrvatski
- mypensionkit.com/fr France, Français
- mypensionkit.com/de Germany, Deutsch
- mypensionkit.com/ie Ireland, English
- mypensionkit.com/it Italy, Italiano
- mypensionkit.com/nl Netherlands, Nederlands
- mypensionkit.com/mk North Macedonia, Македонски
- mypensionkit.com/pl Poland, Polski
- mypensionkit.com/rs Serbia, Srpski
- mypensionkit.com/si Slovenia, Slovenščina
- mypensionkit.com/es Spain, Español
- mypensionkit.com/se Sweden, Svenska
- mypensionkit.com/ch Switzerland, Deutsch
- mypensionkit.com/uk United Kingdom, English
- mypensionkit.com/us United States, English
All calculations run in your browser. Nothing you type is sent or stored.
Popular questions
How much will my pension be?
Pick your country in the calculator above, then enter your age, the years you have already contributed and your current salary. You get an estimate of your state pension in today's money, gross and net, plus the retirement age and how much you would need to save to reach 70% of your salary.
At what age can I retire?
It depends on the country and often on your year of birth. For someone aged 40 today it is 67 in Germany, Italy, Sweden and the US, 68 in the UK, 66 in Ireland, 65 in Austria, Switzerland, Bosnia and Herzegovina and Canada, and 64 in France.
How much state pension will I get in Germany?
A 40 year old earning the German average salary (51,944 EUR per year) who works until 67 can expect about 1,786 EUR gross and 1,473 EUR net per month in today's money. Open the Germany calculator.
How much is the UK State Pension?
The full new State Pension is 241.30 GBP per week in 2026/27, about 1,046 GBP per month, with 35 qualifying years. Open the UK calculator.
How much Social Security will I get?
Someone earning the US average wage (69,847 USD a year) with 35 years of work gets about 2,608 USD per month at 67, or 2,405 USD after the Medicare Part B premium. Open the US calculator.
How much CPP and OAS will I get in Canada?
On an average salary (69,881 CAD) with a full career, CPP and OAS together come to about 2,447 CAD per month at 65 before tax. Open the Canada calculator.
How much do I need to save for retirement?
A common target is 70% of your pre-retirement income. On the German average salary the state pension leaves a gap that takes about 455 EUR of saving per month to close. On the French average it is about 254 EUR. The calculator works it out for your own numbers.
Is my data stored?
No. All calculations run in your browser and nothing you enter is sent to a server.
Choose your country
Each country page opens in the local language, with the pension rules explained, worked examples, minimum pensions and links to official sources. You can switch to English at the top of any page.
How it works
State pension, workplace pension and your own savings
Most countries build retirement income in layers. The state pension is paid by a public fund and usually depends on how many years you contributed and, in many countries, on how much you earned. A workplace or second pillar pension is funded by contributions through your employer. Personal savings fill whatever gap remains.
MyPensionKit focuses on the state pension, because it is the part that follows clear legal formulas. Where a second pillar is mandatory and simple to estimate, as in Switzerland, North Macedonia, Croatia and Australia, we include it. All results are shown in today's money: we assume your salary keeps the same relation to the average wage and use the 2026 point values, rates and thresholds.
Financial planners often use 70% of the last salary as a comfortable target. If your estimate is below that, the calculator shows the monthly saving needed to close the gap, assuming a 3% real return.
How much of your salary does the state pension replace?
Estimated net state pension for a 40 year old with 15 years of contributions on a typical salary, retiring at the statutory age, 2026 rules in today's money.
| Country | Gross salary | Net pension per payment | Share of salary | Retirement age |
|---|---|---|---|---|
| Albania | 90,119 ALL per month | 46,268 ALL | 51.3% | 65 |
| Australia | 100,000 AUD per year | 3,890 AUD | 46.7% | 67 |
| Austria | 3,500 EUR per month | 2,098 EUR | 71.2% | 65 |
| Bosnia and Herzegovina (FBiH) | 2,681 KM per month | 1,054 KM | 39.3% | 65 |
| Canada | 69,881 CAD per year | 2,361 CAD | 42.0% | 65 |
| Croatia | 2,016 EUR per month | 775 EUR | 39.4% | 65 |
| France | 3,602 EUR per month | 1,737 EUR | 53.7% | 64 |
| Germany | 51,944 EUR per year | 1,473 EUR | 41.3% | 67 |
| Ireland | 50,000 EUR per year | 1,297 EUR | 31.1% | 66 |
| Italy | 33,000 EUR per year | 1,565 EUR | 78.9% | 67.25 |
| Netherlands | 4,000 EUR per month | 1,421 EUR | 37.3% | 67.25 |
| North Macedonia | 69,141 MKD per month | 26,140 MKD | 40.4% | 64 |
| Poland | 9,420 PLN per month | 3,431 PLN | 42.1% | 65 |
| Serbia | 163,470 RSD per month | 66,987 RSD | 41.0% | 65 |
| Slovenia | 2,751 EUR per month | 1,257 EUR | 47.6% | 67 |
| Spain | 29,540 EUR per year | 1,742 EUR | 100.0% | 65 |
| Sweden | 42,900 SEK per month | 16,762 SEK | 46.7% | 67 |
| Switzerland | 7,024 CHF per month | 3,713 CHF | 57.5% | 65 |
| United Kingdom | 39,000 GBP per year | 1,046 GBP | 32.2% | 68 |
| United States | 69,847 USD per year | 2,405 USD | 44.8% | 67 |
About MyPensionKit
MyPensionKit is a free tool by Limitless (OD LIMITLESS) from Ilidza, Bosnia and Herzegovina, the team behind NetSalaryKit. We built it because pension rules are long and hard to read, while the question people ask is simple: how much will I get, and when? Each country page explains the rules in plain language and links to the official sources we use.
Contact
Found a mistake, or want a new country added? We read every message.
Ilidza, 71210
Bosnia and Herzegovina