Pension calculator for Bosnia and Herzegovina
Estimate your pension in the Federation of BiH or Republika Srpska with 2026 point values.
All calculations run in your browser. Nothing you type is sent or stored.
Popular questions
How much will my pension be in Bosnia and Herzegovina?
Enter your age, your contribution years and your salary in the calculator above. For example, a 40 year old earning 2,681 KM per month who keeps working until 65 can expect about 1,054 KM net per month in today's money.
At what age can I retire in Bosnia and Herzegovina?
For someone aged 40 today the statutory retirement age is 65. Retiring earlier usually reduces the pension, and working longer increases it.
How is the state pension calculated in Bosnia and Herzegovina?
Retirement age is 65 for men and women in both entities, with at least 15 years of insurance. With 40 years you can retire at any age in the Federation of BiH. Federation of BiH: pension = personal coefficient x years of service x 26.34 KM (value of the general point from 1 January 2026). Republika Srpska: pension = personal coefficient x years of service (max. 40) x about 25.80 KM (general point from 1 August 2026). Pensions are not taxed in either entity.
How much should I save for retirement in Bosnia and Herzegovina?
With a salary of 2,681 KM per month, the estimated pension covers about 39.3% of your gross salary. To reach 70% you would need to save about 336 KM per month, assuming a 3% real return.
How the pension is calculated in Bosnia and Herzegovina
Bosnia and Herzegovina has two pension funds: the FZ PIO/MIO in the Federation of BiH and the Fond PIO in Republika Srpska. Both use a points system. Each year you earn points equal to your gross salary divided by the average salary in your entity, and at retirement your points are multiplied by the value of the general point. Choose the entity in the calculator to see your estimate.
- Retirement age is 65 for men and women in both entities, with at least 15 years of insurance. With 40 years you can retire at any age in the Federation of BiH.
- Federation of BiH: pension = personal coefficient x years of service x 26.34 KM (value of the general point from 1 January 2026).
- Republika Srpska: pension = personal coefficient x years of service (max. 40) x about 25.80 KM (general point from 1 August 2026).
- Pensions are not taxed in either entity.
Examples for 2026
Person aged 40 with 15 years of contributions, retiring at the statutory age, amounts per month in today's money.
Federation of BiH
| Gross salary | Gross pension | Net pension | Share of salary |
|---|---|---|---|
| 1,500 KM | 875 KM | 875 KM | 58.3% |
| 2,681 KM | 1,054 KM | 1,054 KM | 39.3% |
| 4,000 KM | 1,572 KM | 1,572 KM | 39.3% |
Republika Srpska
| Gross salary | Gross pension | Net pension | Share of salary |
|---|---|---|---|
| 1,500 KM | 724 KM | 724 KM | 48.2% |
| 2,681 KM | 1,063 KM | 1,063 KM | 39.6% |
| 4,000 KM | 1,585 KM | 1,585 KM | 39.6% |
Minimum pension and retirement age
In the Federation of BiH the minimum pension depends on years of service, from 451.22 KM (under 20 years) to 714.43 KM, and the guaranteed pension for 40 years is 874.62 KM. The maximum is 3,461.14 KM. In Republika Srpska the minimum ranges from 434.15 KM to 723.70 KM and the maximum is 3,910.15 KM.
Frequently asked questions
What is the minimum pension in Bosnia and Herzegovina?
In the Federation of BiH the minimum pension depends on years of service, from 451.22 KM (under 20 years) to 714.43 KM, and the guaranteed pension for 40 years is 874.62 KM. The maximum is 3,461.14 KM. In Republika Srpska the minimum ranges from 434.15 KM to 723.70 KM and the maximum is 3,910.15 KM.
What does the calculator not include?
Brčko District, early retirement, special and war service, service credited at more than one year per year and pensions under international agreements are not included.
Is this an official pension calculation?
No. It is an informational estimate based on 2026 rules published by the official sources listed on this page. For your exact entitlement, check your personal pension statement or ask the pension authority.
Sources and disclaimer
These results are an informational estimate in today's money. We use the 2026 rules and amounts published by the institutions below and check them when the rules change. Real pensions depend on your full insurance record. Brčko District, early retirement, special and war service, service credited at more than one year per year and pensions under international agreements are not included.