Pension Calculator
Estimate pension benefits
Make a generic estimate of your monthly pension from your average salary, years of contributions and your system's replacement rate. Official rules vary by country, so you enter the parameters; we don't apply any country's official formula.
Estimate your pension
Result
Estimated monthly pension
€1,200.00
- Share of salary applied
- 60%
- Share of a full pension
- 85.71%
- Annual pension (12 payments)
- €14,400.00
Formula version: 1.0.0
How to use the pension calculator
- Enter your average reference monthly salary.
- Enter the years you'll have contributed and the years needed for a full pension in your country.
- Enter the replacement rate and review the estimated pension.
How the pension estimate works
Pension = salary × replacement rate × min(1, years contributed / years for full)
Many systems grant a share of the pension based on years contributed; here that's modelled simply and proportionally.
Pension estimate example
With a €2,000 reference salary, 30 of the 35 required years and a 70% replacement rate, the estimate is €1,200 a month (60% of salary).
Illustrative example with the data shown; not a guaranteed outcome.
Assumptions and limitations
- Generic estimate with your parameters: no country's official rules are applied.
- Linear in years contributed, with no minimums, caps or supplements.
- Ask your social security body for an official estimate.
Frequently asked questions
Why doesn't it calculate my country's official pension?
Because each system has its own rules (bases, periods, coefficients) that change over time. We'll only include them once verified.
Where can I get an official estimate?
From your country's social security or pension body; many offer personalized simulators.
Related calculators
See retirement calculatorsIndicative result for information only; not financial or tax advice. Read the legal notice · How we calculate results
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