Pension calculator for Croatia
Estimate your state pension in Croatia: gross and net amount, retirement age and how much to save to close the gap.
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Popular questions
How much will my pension be in Croatia?
Enter your age, your contribution years and your salary in the calculator above. For example, a 40 year old earning 2,016 EUR per month who keeps working until 65 can expect about 775 EUR net per month in today's money.
At what age can I retire in Croatia?
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 Croatia?
Retirement age is 65 for men and for women from 2030 (women 64 in 2026). You need at least 15 years of service. Personal points = average salary ratio x years of service x starting factor (minus 0.2% per month early, plus 0.45% per month late). Pension = personal points x 15.64 EUR x 1.27, at least 16.58 EUR per year of service. Pensioners pay income tax at half the local rate on the part above 600 EUR. Abolition from 2027 has been announced.
How much should I save for retirement in Croatia?
With a salary of 2,016 EUR per month, the estimated pension covers about 39.4% of your gross salary. To reach 70% you would need to save about 252 EUR per month, assuming a 3% real return.
How the pension is calculated in Croatia
Croatian pensions are calculated with personal points. Each year your gross salary is compared with the national average, and at retirement the points are multiplied by the current pension value (15.64 EUR from July 2026) and increased by the 27% supplement. Most younger workers are also members of the second pillar and can choose at retirement whether to move those savings into the state pension.
- Retirement age is 65 for men and for women from 2030 (women 64 in 2026). You need at least 15 years of service.
- Personal points = average salary ratio x years of service x starting factor (minus 0.2% per month early, plus 0.45% per month late).
- Pension = personal points x 15.64 EUR x 1.27, at least 16.58 EUR per year of service.
- Pensioners pay income tax at half the local rate on the part above 600 EUR. Abolition from 2027 has been announced.
Examples for 2026
Person aged 40 with 15 years of contributions, retiring at the statutory age, amounts per month in today's money.
| Gross salary | Gross pension | Net pension | Share of salary |
|---|---|---|---|
| 1,300 EUR | 663 EUR | 657 EUR | 51.0% |
| 2,016 EUR | 795 EUR | 775 EUR | 39.4% |
| 3,200 EUR | 1,261 EUR | 1,195 EUR | 39.4% |
Minimum pension and retirement age
The minimum pension is 16.58 EUR per year of service from July 2026, for example 663.20 EUR with 40 years. The average pension with 40 or more years of service was 1,029.44 EUR net.
Frequently asked questions
What is the minimum pension in Croatia?
The minimum pension is 16.58 EUR per year of service from July 2026, for example 663.20 EUR with 40 years. The average pension with 40 or more years of service was 1,029.44 EUR net.
What does the calculator not include?
Real wage history, benefit years, child credits, the exact second pillar annuity, disability and survivor pensions and the annual supplement 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. Real wage history, benefit years, child credits, the exact second pillar annuity, disability and survivor pensions and the annual supplement are not included.