# MyPensionKit > Free state pension calculator with 2026 rules for 20 countries. Every country has a short address with its code (for example https://mypensionkit.com/de/, https://mypensionkit.com/ba/, https://mypensionkit.com/us/) in the local language, plus an English version at //en/ for non-English countries. Made by Limitless (OD LIMITLESS), Ilidza, 71210, Bosnia and Herzegovina. Results are informational estimates in today's money: salary assumed constant relative to the average wage, 2026 point values and thresholds. Contact: info@limitless.ba. Last updated: 2026-10-16. Default language: English. Sister site: https://netsalarykit.com (gross to net salary). ## Calculators - [Albania pension calculator 2026](https://mypensionkit.com/al/en/) (local language: https://mypensionkit.com/al/): The Albanian old-age pension has two parts: a basic part equal to the social pension for a full career, and an increment of 1% of your average insured wage for every year of contributions. - [Australia pension calculator 2026](https://mypensionkit.com/au/): Retirement income in Australia combines your superannuation and the means-tested Age Pension. - [Austria pension calculator 2026](https://mypensionkit.com/at/en/) (local language: https://mypensionkit.com/at/): In Austria every year of work adds 1.78% of your annual gross salary, including the 13th and 14th salary, to your personal pension account. - [Bosnia and Herzegovina pension calculator 2026](https://mypensionkit.com/ba/en/) (local language: https://mypensionkit.com/ba/): Bosnia and Herzegovina has two pension funds: the FZ PIO/MIO in the Federation of BiH and the Fond PIO in Republika Srpska. - [Canada pension calculator 2026](https://mypensionkit.com/ca/): Canadian public retirement income has two main parts: the Canada Pension Plan (CPP), which depends on your earnings and contribution years, and Old Age Security (OAS), which depends on how long you have lived in Canada after 18. - [Croatia pension calculator 2026](https://mypensionkit.com/hr/en/) (local language: https://mypensionkit.com/hr/): Croatian pensions are calculated with personal points. - [France pension calculator 2026](https://mypensionkit.com/fr/en/) (local language: https://mypensionkit.com/fr/): A French private-sector pension has two parts: the basic pension from the Assurance retraite (CNAV), up to 50% of your average salary capped at the social security ceiling, and the complementary Agirc-Arrco pension, which works with points. - [Germany pension calculator 2026](https://mypensionkit.com/de/en/) (local language: https://mypensionkit.com/de/): The German statutory pension works with pension points. - [Ireland pension calculator 2026](https://mypensionkit.com/ie/): The Irish State Pension (Contributory) is a flat weekly payment that does not depend on your salary. - [Italy pension calculator 2026](https://mypensionkit.com/it/en/) (local language: https://mypensionkit.com/it/): For anyone who started working after 1995, the Italian pension is fully contributory. - [Netherlands pension calculator 2026](https://mypensionkit.com/nl/en/) (local language: https://mypensionkit.com/nl/): The Dutch state pension (AOW) does not depend on your salary. - [North Macedonia pension calculator 2026](https://mypensionkit.com/mk/en/) (local language: https://mypensionkit.com/mk/): North Macedonia has a two-pillar system for most people who started working after 2003. - [Poland pension calculator 2026](https://mypensionkit.com/pl/en/) (local language: https://mypensionkit.com/pl/): Poland uses a defined-contribution system. - [Serbia pension calculator 2026](https://mypensionkit.com/rs/en/) (local language: https://mypensionkit.com/rs/): In Serbia the pension is calculated from personal points: your average ratio of gross salary to the national average, multiplied by your years of service and by the value of the general point, 1,674.67 RSD since December 2025. - [Slovenia pension calculator 2026](https://mypensionkit.com/si/en/) (local language: https://mypensionkit.com/si/): In Slovenia the pension is a percentage of your pension base, which is the average of your best net salaries. - [Spain pension calculator 2026](https://mypensionkit.com/es/en/) (local language: https://mypensionkit.com/es/): The Spanish retirement pension is a percentage of your regulatory base, the average of your contribution bases over the last 25 years. - [Sweden pension calculator 2026](https://mypensionkit.com/se/en/) (local language: https://mypensionkit.com/se/): The Swedish public pension is built from 18.5% of your pensionable income every year: 16% goes to the income pension and 2.5% to the premium pension you invest in funds. - [Switzerland pension calculator 2026](https://mypensionkit.com/ch/en/) (local language: https://mypensionkit.com/ch/): Swiss retirement income rests on two pillars for most employees: the AHV state pension and the occupational pension (BVG) from your pension fund. - [United Kingdom pension calculator 2026](https://mypensionkit.com/uk/): The new State Pension is a flat weekly amount of 241.30 GBP in 2026/27 for people with 35 qualifying years of National Insurance. - [United States pension calculator 2026](https://mypensionkit.com/us/): Social Security retirement benefits are based on your 35 highest years of earnings. ## Key rules and examples (person aged 40 with 15 years of contributions, retiring at statutory age) ### Albania (ALL) - Retirement age is 65 for men and 62 for women in 2026, with women rising by 2 months a year to 63. A full pension needs 39 years, rising to 40 from 2029, and the minimum is 15 years. - Basic part = social pension (about 10,220 lek) x years / required years. - Increment = 1% x years of contributions x average insured wage. - Pensions are not taxed. - Minimum pension: The minimum full urban pension was 17,888 lek in the latest confirmed data. The average urban pension is about 20,700 lek after the July 2026 indexation. - Example: gross salary 60,000 ALL per month gives an estimated pension of 34,220 ALL gross and 34,220 ALL net per payment (12 payments a year) at age 65, 57.0% of salary. - Example: gross salary 90,119 ALL per month gives an estimated pension of 46,268 ALL gross and 46,268 ALL net per payment (12 payments a year) at age 65, 51.3% of salary. - Example: gross salary 150,000 ALL per month gives an estimated pension of 70,220 ALL gross and 70,220 ALL net per payment (12 payments a year) at age 65, 46.8% of salary. - Not included: The rural scheme, bonuses paid on top of pensions, early retirement and the planned future increase of the retirement age are not included. - Sources: https://www.issh.gov.al/pensioni-i-pleqerise/, https://www.instat.gov.al/media/nxshgser/statistikat-e-pagave-t1-2026.pdf ### Australia (AUD) - Age Pension age is 67. Super can be accessed from 60 once retired. - Superannuation Guarantee 12% of salary, 15% contributions tax, projected at about 2.2% a year above wages. - Super is drawn down evenly until age 92 in this estimate. - Age Pension maximum for a single person 1,237.70 AUD per fortnight, reduced by 3 AUD per 1,000 AUD of assets above 333,000 AUD for homeowners. - Minimum pension: The full Age Pension is 1,237.70 AUD per fortnight for a single person from 20 September 2026, including supplements. Super paid from a taxed fund after 60 is tax-free. - Example: gross salary 70,000 AUD per year gives an estimated pension of 4,177 AUD gross and 4,177 AUD net per payment (12 payments a year) at age 67, 71.6% of salary. - Example: gross salary 100,000 AUD per year gives an estimated pension of 3,890 AUD gross and 3,890 AUD net per payment (12 payments a year) at age 67, 46.7% of salary. - Example: gross salary 150,000 AUD per year gives an estimated pension of 4,822 AUD gross and 4,822 AUD net per payment (12 payments a year) at age 67, 38.6% of salary. - Not included: Couples, other assets and income, the work bonus, Rent Assistance, insurance premiums inside super and voluntary contributions are not included. - Sources: https://www.dss.gov.au/system/files/documents/2026-08/rates-list-20-september-2026.docx, https://www.ato.gov.au/tax-rates-and-codes/key-superannuation-rates-and-thresholds/super-guarantee ### Austria (EUR) - Retirement age is 65 for men. For women it is rising step by step and reaches 65 for everyone born after June 1968. - Annual credit = 1.78% x gross annual salary (14 payments), up to 97,020 EUR in 2026. - Gross pension per payment = pension account balance / 14. - Pensioners pay 6% health insurance and wage tax, with a pensioner tax credit for lower pensions. - Minimum pension: The equalisation supplement (Ausgleichszulage) raises low pensions of single people to 1,308.39 EUR in 2026, subject to a means test. Early retirement through the corridor pension costs 5.1% per year. - Example: gross salary 2,500 EUR per month gives an estimated pension of 1,780 EUR gross and 1,641 EUR net per payment (14 payments a year) at age 65, 71.2% of salary. - Example: gross salary 3,500 EUR per month gives an estimated pension of 2,492 EUR gross and 2,098 EUR net per payment (14 payments a year) at age 65, 71.2% of salary. - Example: gross salary 5,500 EUR per month gives an estimated pension of 3,916 EUR gross and 3,001 EUR net per payment (14 payments a year) at age 65, 71.2% of salary. - Not included: Credited periods (child-raising, military service), heavy work and long career rules, the parallel calculation for careers before 2005 and the means test are not included. - Sources: https://www.oesterreich.gv.at/de/themen/arbeit_beruf_und_pension/pension/2/1/Seite.270132, https://www.sozialministerium.gv.at/dam/jcr:d41d9872-e380-44b7-a268-51bce2a0e605/%C3%9Cberblick%20Pensionsarten%202025-2034.pdf ### Bosnia and Herzegovina (KM) - 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. - Minimum pension: 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. - Example (Federation of BiH): gross salary 1,500 KM per month gives an estimated pension of 875 KM gross and 875 KM net per payment (12 payments a year) at age 65, 58.3% of salary. - Example (Republika Srpska): gross salary 1,500 KM per month gives an estimated pension of 724 KM gross and 724 KM net per payment (12 payments a year) at age 65, 48.2% of salary. - Example (Federation of BiH): gross salary 2,681 KM per month gives an estimated pension of 1,054 KM gross and 1,054 KM net per payment (12 payments a year) at age 65, 39.3% of salary. - Example (Republika Srpska): gross salary 2,681 KM per month gives an estimated pension of 1,063 KM gross and 1,063 KM net per payment (12 payments a year) at age 65, 39.6% of salary. - Example (Federation of BiH): gross salary 4,000 KM per month gives an estimated pension of 1,572 KM gross and 1,572 KM net per payment (12 payments a year) at age 65, 39.3% of salary. - Example (Republika Srpska): gross salary 4,000 KM per month gives an estimated pension of 1,585 KM gross and 1,585 KM net per payment (12 payments a year) at age 65, 39.6% of salary. - Not included: 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. - Sources: https://www.fzmiopio.ba/uskladjena-vrijednost-opceg-boda-za-2026-godinu/, https://www.fondpiors.org, https://www.paragraf.ba/propisi/republika-srpska/zakon-o-penzijskom-i-invalidskom-osiguranju.html ### Canada (CAD) - CPP can start from 60 to 70: minus 0.6% per month before 65, plus 0.7% per month after. - Maximum CPP at 65 in 2026: 1,507.65 CAD per month. Earnings count up to 74,600 CAD (YMPE) and 85,000 CAD (YAMPE). - OAS: 762.50 CAD per month at 65 to 74 with 40 years of residence, deferral adds 0.6% per month. - Both are taxable. OAS is clawed back at 15% of income above about 95,000 CAD. - Minimum pension: The average new CPP retirement pension at 65 was 858.34 CAD per month in July 2026. Low-income seniors can also get the Guaranteed Income Supplement, up to 1,138.90 CAD per month for a single person. - Example: gross salary 50,000 CAD per year gives an estimated pension of 1,968 CAD gross and 1,950 CAD net per payment (12 payments a year) at age 65, 47.2% of salary. - Example: gross salary 69,881 CAD per year gives an estimated pension of 2,447 CAD gross and 2,361 CAD net per payment (12 payments a year) at age 65, 42.0% of salary. - Example: gross salary 100,000 CAD per year gives an estimated pension of 2,755 CAD gross and 2,611 CAD net per payment (12 payments a year) at age 65, 33.1% of salary. - Not included: Exact contribution history and drop-outs, the Quebec Pension Plan, GIS, provincial tax outside Ontario and RRSP or workplace pensions are not included. - Sources: https://www.canada.ca/en/services/benefits/publicpensions/cpp/payment-amounts.html, https://www.canada.ca/en/services/benefits/publicpensions/cpp/old-age-security/benefit-amount.html ### Croatia (EUR) - 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. - Minimum pension: 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. - Example: gross salary 1,300 EUR per month gives an estimated pension of 663 EUR gross and 657 EUR net per payment (12 payments a year) at age 65, 51.0% of salary. - Example: gross salary 2,016 EUR per month gives an estimated pension of 795 EUR gross and 775 EUR net per payment (12 payments a year) at age 65, 39.4% of salary. - Example: gross salary 3,200 EUR per month gives an estimated pension of 1,261 EUR gross and 1,195 EUR net per payment (12 payments a year) at age 65, 39.4% of salary. - Not included: Real wage history, benefit years, child credits, the exact second pillar annuity, disability and survivor pensions and the annual supplement are not included. - Sources: https://www.mirovinsko.hr/hr/novi-zakon-o-mirovinskom-osiguranju-obavijest-o-kljucnim-izmjenama-u-mirovinskom-sustavu/4049, https://www.zakon.hr/c/vijest/1058277/nn-95-2026-%2828.8.2026.%29%2C-odluka-o-aktualnoj-vrijednosti-mirovine-od-1.-srpnja-2026. ### France (EUR) - Legal age from 62 and 9 months (born 1964) to 64 (born 1969 or later). Full rate requires 170 to 172 quarters, or age 67. - Basic pension = average salary (capped at 48,060 EUR) x rate (50% at full rate, minus 0.625 points per missing quarter) x quarters / quarters required. - Agirc-Arrco: points bought at 20.1877 EUR, each worth 1.4386 EUR of yearly pension. - Pensioners pay CSG, CRDS and CASA (up to 9.1%) and income tax. - Minimum pension: The minimum contributory pension (minimum contributif) is 756.29 EUR per month, or 903.93 EUR with 120 quarters contributed, for a full-rate pension. The ASPA guarantees a minimum income of 1,043.59 EUR for a single person. - Example: gross salary 2,200 EUR per month gives an estimated pension of 1,182 EUR gross and 1,182 EUR net per payment (12 payments a year) at age 64, 53.7% of salary. - Example: gross salary 3,602 EUR per month gives an estimated pension of 1,935 EUR gross and 1,737 EUR net per payment (12 payments a year) at age 64, 53.7% of salary. - Example: gross salary 5,500 EUR per month gives an estimated pension of 2,773 EUR gross and 2,334 EUR net per payment (12 payments a year) at age 64, 50.4% of salary. - Not included: Long career early retirement, child and care quarters, other pension schemes (public sector, self-employed), survivor pensions and the minimum contributif top-up are not included. - Sources: https://www.agirc-arrco.fr/storage/CirculaireAgircArrco2025-15dt.pdf, https://legislation.lassuranceretraite.fr/Pdf/instruction_ministerielle_11122025.pdf, https://www.info-retraite.fr ### Germany (EUR) - Regular retirement age is 67 for people born in 1964 or later. Early retirement from 63 with 35 years costs 0.3% per month. - Points per year = your gross salary / 51,944 EUR (average salary 2026), up to the contribution ceiling of 101,400 EUR. - Monthly gross pension = points x 42.52 EUR (aktueller Rentenwert from 1 July 2026). - Pensioners pay 8.75% health and 3.6% or 4.2% care insurance, and tax on a taxable share that rises from 84% in 2026. - Minimum pension: Germany has no minimum pension. People with a very low income in old age can claim basic income support (Grundsicherung). 45 points, the so-called standard pension, are worth 1,913.40 EUR gross per month. - Example: gross salary 36,000 EUR per year gives an estimated pension of 1,238 EUR gross and 1,083 EUR net per payment (12 payments a year) at age 67, 41.3% of salary. - Example: gross salary 51,944 EUR per year gives an estimated pension of 1,786 EUR gross and 1,473 EUR net per payment (12 payments a year) at age 67, 41.3% of salary. - Example: gross salary 80,000 EUR per year gives an estimated pension of 2,750 EUR gross and 2,107 EUR net per payment (12 payments a year) at age 67, 41.3% of salary. - Not included: Child-raising credits, the Grundrente supplement, disability pensions, church tax, private health insurance and company pensions are not included. - Sources: https://www.deutsche-rentenversicherung.de/DRV/DE/Ueber-uns-und-Presse/Presse/Meldungen/2026/260305-rentenanpassung-2026.html, https://www.deutsche-rentenversicherung.de/DRV/DE/Experten/Arbeitgeber-und-Steuerberater/summa-summarum/Lexikon/R/regelaltersgrenze.html ### Ireland (EUR) - State Pension age is 66, and you can defer up to 70 for a higher rate. - You need at least 520 paid contributions (10 years). - Weekly pension = 299.30 EUR x contributions / 2,080 (max. 100%). - The pension is taxable, but people aged 65 and over with income up to 18,000 EUR pay no income tax, and it is exempt from USC and PRSI. - Minimum pension: The full State Pension (Contributory) is 299.30 EUR per week from age 66 and 309.30 EUR from age 80 in 2026. The non-contributory pension is 288 EUR per week, subject to a means test. - Example: gross salary 40,000 EUR per year gives an estimated pension of 1,297 EUR gross and 1,297 EUR net per payment (12 payments a year) at age 66, 38.9% of salary. - Example: gross salary 50,000 EUR per year gives an estimated pension of 1,297 EUR gross and 1,297 EUR net per payment (12 payments a year) at age 66, 31.1% of salary. - Example: gross salary 75,000 EUR per year gives an estimated pension of 1,297 EUR gross and 1,297 EUR net per payment (12 payments a year) at age 66, 20.8% of salary. - Not included: The yearly average method for people retiring before 2034, credited contributions, the living alone increase, auto-enrolment savings and occupational pensions are not included. - Sources: https://www.citizensinformation.ie/en/social-welfare/older-and-retired-people/state-pension-contributory/, https://www.gov.ie/en/department-of-social-protection/publications/budget-2026 ### Italy (EUR) - Old-age retirement at 67 with at least 20 years of contributions in 2026, rising to 67 and 3 months from 2028. Early retirement from 64 if the pension is at least 3 times the assegno sociale. - Montante = 33% x gross salary x years (up to 122,295 EUR a year). - Yearly pension = montante x conversion coefficient (5.608% at 67, 5.088% at 64, 6.510% at 71). - Pensions are taxed under IRPEF with a pensioner tax credit, plus regional and municipal surcharges. - Minimum pension: The minimum pension (trattamento minimo) is 611.85 EUR per month, but it does not apply to purely contributory pensions. The assegno sociale is 546.24 EUR per month in 2026. - Example: gross salary 25,000 EUR per year gives an estimated pension of 1,517 EUR gross and 1,233 EUR net per payment (13 payments a year) at age 67.25, 78.9% of salary. - Example: gross salary 33,000 EUR per year gives an estimated pension of 2,003 EUR gross and 1,565 EUR net per payment (13 payments a year) at age 67.25, 78.9% of salary. - Example: gross salary 50,000 EUR per year gives an estimated pension of 3,034 EUR gross and 2,213 EUR net per payment (13 payments a year) at age 67.25, 78.9% of salary. - Not included: The mixed and earnings-related systems for contributions before 1996, Quota 103, arduous work rules, the quattordicesima and GDP revaluation of the pot are not included. - Sources: https://www.inps.it/it/it/inps-comunica/notizie/dettaglio-news-page.news.2026.03.online-l-osservatorio-sulle-pensioni-erogate-dall-istituto.html, https://www.inps.it ### Netherlands (EUR) - AOW age is 67 in 2026 and 2027 and 67 and 3 months from 2028. For younger people it will follow life expectancy. - Full AOW for a single person from July 2026: 1,662.16 EUR gross per month plus 104.78 EUR holiday allowance. - AOW = full amount x 2% x insured years (max. 50). - At AOW age you pay a lower tax rate (17.85% in the first bracket) and get extra tax credits for older people. - Minimum pension: A single person with a full AOW receives about 1,581.55 EUR net per month from July 2026, plus holiday allowance in May. People with a partial AOW and little other income can claim the AIO supplement. - Example: gross salary 3,000 EUR per month gives an estimated pension of 1,493 EUR gross and 1,421 EUR net per payment (12 payments a year) at age 67.25, 49.8% of salary. - Example: gross salary 4,000 EUR per month gives an estimated pension of 1,493 EUR gross and 1,421 EUR net per payment (12 payments a year) at age 67.25, 37.3% of salary. - Example: gross salary 6,000 EUR per month gives an estimated pension of 1,493 EUR gross and 1,421 EUR net per payment (12 payments a year) at age 67.25, 24.9% of salary. - Not included: Workplace pensions (second pillar), private savings, partner amounts, the AIO supplement and years abroad under treaties are not included. - Sources: https://www.rijksoverheid.nl/onderwerpen/algemene-ouderdomswet-aow/aow-leeftijd, https://www.svb.nl/nl/aow/bedragen-aow ### North Macedonia (MKD) - Retirement age is 64 for men and 62 for women, with at least 15 years of service. - First pillar pension = years of service x 1% (men) or 1.14% (women) x pension base (average net salary). - Second pillar: 6% of gross salary goes to a private fund, shown here as an estimated annuity over 18 years. - Pensions are taxed at 10% above the personal allowance. - Minimum pension: The lowest pension is about 21,515 MKD and the highest about 97,162 MKD per month after the September 2026 increase. The average pension is about 28,891 MKD. - Example: gross salary 45,000 MKD per month gives an estimated pension of 21,515 MKD gross and 20,391 MKD net per payment (12 payments a year) at age 64, 47.8% of salary. - Example: gross salary 69,141 MKD per month gives an estimated pension of 27,903 MKD gross and 26,140 MKD net per payment (12 payments a year) at age 64, 40.4% of salary. - Example: gross salary 110,000 MKD per month gives an estimated pension of 44,392 MKD gross and 40,980 MKD net per payment (12 payments a year) at age 64, 40.4% of salary. - Not included: The exact second pillar annuity, extended service, sector reliefs and ad hoc pension increases are not included. - Sources: https://www.piom.com.mk, https://rm.coe.int/missceo-2023-old-age/1680b0eea4 ### Poland (PLN) - Retirement age is 60 for women and 65 for men. No minimum years are needed for a ZUS pension. - Capital = 19.52% x gross salary x years (annual cap 282,600 PLN). - Monthly pension = capital / life expectancy in months (222.7 months at 65, 268.9 at 60 under the 2026 table). - Pensioners pay 9% health insurance and income tax above the tax-free amount. - Minimum pension: The minimum pension is 1,978.49 PLN gross from March 2026, guaranteed with 20 years (women) or 25 years (men) of service. The average ZUS pension was 4,480.74 PLN gross in May 2026. - Example: gross salary 6,000 PLN per month gives an estimated pension of 2,524 PLN gross and 2,294 PLN net per payment (12 payments a year) at age 65, 42.1% of salary. - Example: gross salary 9,420 PLN per month gives an estimated pension of 3,963 PLN gross and 3,431 PLN net per payment (12 payments a year) at age 65, 42.1% of salary. - Example: gross salary 15,000 PLN per month gives an estimated pension of 6,311 PLN gross and 5,286 PLN net per payment (12 payments a year) at age 65, 42.1% of salary. - Not included: Initial capital for work before 1999, sick leave and other gaps, the 13th and 14th pension, bridging pensions, KRUS, PPK and IKE are not included. - Sources: https://www.gov.pl/web/rodzina/10-pytan-o-emeryture, https://www.zus.pl ### Serbia (RSD) - Retirement age is 65 for men and 64 for women in 2026, rising by 2 months a year to 65 in 2032. At least 15 years of insurance are needed, and 45 years allow retirement at any age. - Personal coefficient = average of gross salary / national average gross salary (max. 3.8). - Pension = personal coefficient x pension years (x 1.06 for women, max. 45) x 1,674.67 RSD. - Pensions carry no income tax and no contributions for the pensioner. - Minimum pension: The minimum pension is 31,092.11 RSD and the maximum 286,368.57 RSD per month in 2026. The average old-age pension for employees was 64,946 RSD in June 2026. - Example: gross salary 100,000 RSD per month gives an estimated pension of 40,978 RSD gross and 40,978 RSD net per payment (12 payments a year) at age 65, 41.0% of salary. - Example: gross salary 163,470 RSD per month gives an estimated pension of 66,987 RSD gross and 66,987 RSD net per payment (12 payments a year) at age 65, 41.0% of salary. - Example: gross salary 250,000 RSD per month gives an estimated pension of 102,445 RSD gross and 102,445 RSD net per payment (12 payments a year) at age 65, 41.0% of salary. - Not included: Early retirement penalties, special and extended service, the farmer scheme and the announced increase from December 2026 are not included. - Sources: https://pio.rs/sites/default/files/Statistike/2026/Statisticki%20bilten%20za%20jun2026.pdf, https://www.pio.rs/sites/default/files/Statistike/Ostalo/2025/OPSTI%20BOD%20I%20USKLADJIVANJE%20OD%2001.04.2003.%20GODINE.PDF ### Slovenia (EUR) - General retirement age is 65 in 2026 and 2027, rising by 3 months a year to 67 in 2035. With 40 years of service you can retire from 60, rising to 62. - Pension base = average net salary of your best years, between 1,289.78 and 5,159.12 EUR. - Accrual from 29.5% to 30% for 15 years, rising to 63.5% (2026) and 70% (2035) for 40 years. - Pensioners pay a 1% long-term care contribution and the flat health contribution, and usually little or no income tax. - Minimum pension: The guaranteed pension for 40 years of service is 785 EUR and the minimum pension is 386.93 EUR in 2026. The average old-age pension was 952 EUR gross in 2025. - Example: gross salary 1,800 EUR per month gives an estimated pension of 980 EUR gross and 931 EUR net per payment (12 payments a year) at age 67, 54.5% of salary. - Example: gross salary 2,751 EUR per month gives an estimated pension of 1,310 EUR gross and 1,257 EUR net per payment (12 payments a year) at age 67, 47.6% of salary. - Example: gross salary 4,000 EUR per month gives an estimated pension of 1,904 EUR gross and 1,809 EUR net per payment (12 payments a year) at age 67, 47.6% of salary. - Not included: Bought years, child and military credits, early retirement penalties, international pensions and the annual and winter supplements are not included. - Sources: https://www.zsss.si/wp-content/uploads/2026/01/2026-01-30_ZPIZ_Sporocilo-za-javnost_Izplacilo-preracunanih-pokojnin.pdf, https://www.racunovodstvo.net/zakonodaja/zpiz/27-clen ### Spain (EUR) - Ordinary retirement age is 66 and 10 months in 2026 and 67 from 2027, or 65 with 38 years and 6 months of contributions. - Regulatory base = last 300 monthly contribution bases / 350 (max. base 5,101.20 EUR per month). - Percentage: 50% at 15 years, then about 0.19% per extra month, 100% at 37 years. - Pensions are taxed under IRPF like salaries. - Minimum pension: In 2026 the minimum retirement pension at 65 without a spouse is 936.20 EUR and the maximum 3,359.60 EUR, both paid 14 times a year. The average retirement pension was 1,576 EUR in September 2026. - Example: gross salary 22,000 EUR per year gives an estimated pension of 1,571 EUR gross and 1,364 EUR net per payment (14 payments a year) at age 65, 100.0% of salary. - Example: gross salary 29,540 EUR per year gives an estimated pension of 2,110 EUR gross and 1,742 EUR net per payment (14 payments a year) at age 65, 100.0% of salary. - Example: gross salary 45,000 EUR per year gives an estimated pension of 3,214 EUR gross and 2,476 EUR net per payment (14 payments a year) at age 65, 100.0% of salary. - Not included: Early retirement penalties, the gender gap supplement, gaps in contributions, special schemes and regional tax differences are not included. - Sources: https://revista.seg-social.es/-/pensiones-septiembre-2026, https://www.seg-social.es ### Sweden (SEK) - Target retirement age (riktålder) is 67. Public pension can be drawn from 64. - Pension rights = 18.5% of 93% of gross salary, up to 673,038 SEK a year. - Yearly pension = pension balance / annuity divisor (about 16.1 at 67). - Guarantee pension up to 11,988 SEK per month for a single person, reduced as the income pension rises. - Minimum pension: The full guarantee pension is 11,988 SEK per month for a single person in 2026 and requires 40 years of residence. The average total pension, including occupational pension, was 26,200 SEK before tax in 2025. - Example: gross salary 30,000 SEK per month gives an estimated pension of 16,641 SEK gross and 14,196 SEK net per payment (12 payments a year) at age 67, 55.5% of salary. - Example: gross salary 42,900 SEK per month gives an estimated pension of 20,031 SEK gross and 16,762 SEK net per payment (12 payments a year) at age 67, 46.7% of salary. - Example: gross salary 60,000 SEK per month gives an estimated pension of 25,204 SEK gross and 20,706 SEK net per payment (12 payments a year) at age 67, 42.0% of salary. - Not included: Occupational pension (tjänstepension, often 4.5% of salary or more), housing supplement, income pension supplement, church fee and exact municipal tax are not included. - Sources: https://www.pensionsmyndigheten.se/content/dam/pensionsmyndigheten/blanketter---broschyrer---faktablad/broschyrer-och-faktablad/faktablad/2025/PM-7615-Garantipension-26-01.pdf, https://www.pensionsmyndigheten.se/content/dam/pensionsmyndigheten/blanketter---broschyrer---faktablad/publikationer/rapporter/2026/Rapport%20pension%20och%20skatt%202026.pdf ### Switzerland (CHF) - Reference age is 65 for men and for women born in 1964 or later. Women born 1961 to 1963 retire between 64 and 3 months and 64 and 9 months. - Full AHV pension (44 contribution years) from 1,260 CHF to 2,520 CHF per month, the maximum is reached at an average income of 90,720 CHF. - BVG: age credits of 7% to 18% of the coordinated salary, converted at 6.8% into a yearly pension. - Pensions are fully taxable, the rate depends on the canton. - Minimum pension: The full AHV old-age pension is at least 1,260 CHF and at most 2,520 CHF per month in 2026. Supplementary benefits (Ergänzungsleistungen) help when income does not cover basic living costs. - Example: gross salary 5,000 CHF per month gives an estimated pension of 3,029 CHF gross and 2,786 CHF net per payment (12 payments a year) at age 65, 60.6% of salary. - Example: gross salary 7,024 CHF per month gives an estimated pension of 4,036 CHF gross and 3,713 CHF net per payment (12 payments a year) at age 65, 57.5% of salary. - Example: gross salary 10,000 CHF per month gives an estimated pension of 4,303 CHF gross and 3,958 CHF net per payment (12 payments a year) at age 65, 43.0% of salary. - Not included: Exact AHV table rounding, income splitting for married couples, pension fund rules above the legal minimum, lump-sum withdrawals, pillar 3a and cantonal tax tables are not included. - Sources: https://ahv-iv.ch/p/3.01.d, https://www.bsv.admin.ch/dam/de/sd-web/GZplHByBJoFc/Internet_Masszahlenarticles_25_26_d.pdf ### United Kingdom (GBP) - State Pension age is 66, rising to 67 for people born from March 1961 and to 68 for people born from April 1978 under current law. - Full new State Pension: 241.30 GBP per week (12,547.60 GBP a year) with 35 qualifying years. - Weekly amount = 241.30 GBP x qualifying years / 35, minimum 10 years. - Deferring increases the pension by 1% for every 9 weeks. - Minimum pension: The full new State Pension is 241.30 GBP per week in 2026/27. Pension Credit tops up income to 238.00 GBP per week for a single person. - Example: gross salary 30,000 GBP per year gives an estimated pension of 1,046 GBP gross and 1,046 GBP net per payment (12 payments a year) at age 68, 41.8% of salary. - Example: gross salary 39,000 GBP per year gives an estimated pension of 1,046 GBP gross and 1,046 GBP net per payment (12 payments a year) at age 68, 32.2% of salary. - Example: gross salary 60,000 GBP per year gives an estimated pension of 1,046 GBP gross and 1,046 GBP net per payment (12 payments a year) at age 68, 20.9% of salary. - Not included: Contracted-out deductions, NI credits, voluntary contributions, Pension Credit, workplace and private pensions are not included. - Sources: https://www.gov.uk/government/publications/benefit-and-pension-rates-2026-to-2027/proposed-benefit-and-pension-rates-2026-to-2027, https://www.gov.uk/state-pension-age ### United States (USD) - Full retirement age is 67 for people born in 1960 or later. You can claim from 62 to 70. - You need 40 credits (about 10 years of work). - Benefit at full retirement age = 90% of AIME up to 1,286 USD + 32% up to 7,749 USD + 15% above (2026 bend points). - If Social Security is your only income it is not taxed. Medicare Part B (202.90 USD a month in 2026) is usually deducted. - Minimum pension: There is no minimum benefit for new retirees. The maximum benefit at full retirement age is 4,152 USD per month in 2026, and the average retired worker gets 2,071 USD. - Example: gross salary 45,000 USD per year gives an estimated pension of 1,946 USD gross and 1,743 USD net per payment (12 payments a year) at age 67, 51.9% of salary. - Example: gross salary 69,847 USD per year gives an estimated pension of 2,608 USD gross and 2,405 USD net per payment (12 payments a year) at age 67, 44.8% of salary. - Example: gross salary 120,000 USD per year gives an estimated pension of 3,563 USD gross and 3,360 USD net per payment (12 payments a year) at age 67, 35.6% of salary. - Not included: Your actual earnings record, spousal and survivor benefits, the earnings test, state income tax and 401(k) or IRA savings are not included. - Sources: https://www.ssa.gov/news/en/cola/factsheets/2026.html, https://www.ssa.gov/oact/cola/bendpoints.html ## Pages - [About](https://mypensionkit.com/about/) - [Contact](https://mypensionkit.com/contact/) - [Privacy policy](https://mypensionkit.com/privacy-policy/) - [Terms of use](https://mypensionkit.com/terms/)