Kui täpne on see pensioniprognoos?

It's a 30-40 year extrapolation that holds your CURRENT salary constant. Real outcomes depend on: (1) your future salary trajectory (10-50% higher than today is normal over 25 years), (2) pension reforms during your career (every 4-5 years some parameter changes), (3) inflation between now and retirement, (4) your country's specific revaluation rules, (5) any career breaks, parental leave, sickness, unemployment. Treat the number as ±20-30% accuracy. The DRV / CNAV / INSS annual statement is far more accurate because it uses YOUR actual career history.

Kas peaksin töötama kauem või minema varem pensionile?

Working longer significantly increases pension in most EU systems: DE +0.5%/month past standard age (Zuschlag); FR surcote +1.25%/trimestre extra; IT higher coefficient at later age; ES demora +4%/year; PL much higher (life expectancy divisor drops). Conversely early retirement is HEAVILY penalised: DE -0.3%/month early; FR décote -1.25%/trimestre; ES -2.81%/quarter early. Try the same calculation at standard age, then -2 years and +2 years to see your specific delta. Most workers gain 30-50% more pension by working 5 extra years.

Kas riiklikud pensionid on 30 aasta pärast turvalised?

Public pensions will continue to exist in all EU member states — the political risk of cancelling them is too high. But the FORMULAS will change. Replacement rates have already declined from 60% (1990s) to 40-50% (2026) in most EU countries, and demographic pressure (ageing + lower birth rates) means further reductions are likely. The safest assumption: assume 80% of your projected public pension actually arrives, and plan for the gap with a 2nd-pillar (occupational) and 3rd-pillar (private) pension. This is the official advice of every EU pension authority.

Tasuta tööriist

ELi pensionikalkulaator

Valige oma riik, sisestage praegune igakuine bruto + vanus + sissemaksete aastad + plaanitav pensioniiga. Rakendame riigi valemit (DE Rentenformel, FR CNAV+AGIRC, ES base reguladora, IT contributivo, AT APG, NL AOW+2. sammas, BE 60 %/75 %, PL ZUS) ja prognoosime teie igakuist brutopension pensionile minekul. Asendusmäär, varase/hilise pensionile mineku trahv/boonus, pensioniea võrdlus. Konservatiivselt kavandatud.

⚠ Hinnang — pensionireformid muudavad kõike

⚠ Pensionireformid toimuvad iga 4-5 aasta tagant

Prantsusmaa tõstis 2023. aastal standardse vanuse 62-lt 64-le; Saksamaa arutab tõstmist 67-lt 68-le; Hispaania pikendab võrdlusperioodi 25-lt 30-le aastale (järkjärguline rakendamine 2025-2027); Itaalia vahetab erinevate sünnikohortide jaoks contributivo ja retributivo süsteemide vahel; Madalmaad on poolel teel üleminekul kindlaksmääratud sissemaksetega 2. samba juurde (2026-2028); Poola arutab korduvalt naiste pensioniiga. Number, mida täna näete, peegeldab PRAEGUSEID reegleid — teie tegelik pension pensionile mineku ajal kasutab reegleid, mis kehtivad SEL tulevasel kuupäeval.

Riik

Praegune igakuine bruto (EUR)Praegune vanus

Lõpetatud sissemaksete aastad

Kõikide tööaastate ja makstud sotsiaalmaksete summa

Plaanitav pensioniiga

Vahemik: 63-70

⚠ See on pikaajaline prognoos

Pensioniarvutused hõlmavad 30-40 aastat ja eeldavad teie praegust palka konstantse asendajana. Tegelikkuses palgad kasvavad staaži + inflatsiooniga; pensionivalemid, pensioniiga, sissemaksete määrad ja praegune pensionihind muutuvad reformidega. Käsitlege numbrit kui 'umbkaudset suurusjärku' — mitte tagatud summat. Planeerige tööandja + erapensionidega (3. sammas), et täita lünk.

Igakuine bruto pension

€1,748

Asendusmäär

44%

Kogu sissemaksete aastad

+ 32 aastat jäänud panustamiseks

🎯Standardne pensioniiga

Kuidas selle riigi pension töötab

Rentenformel: monatliche Rente = Entgeltpunkte × Zugangsfaktor × Rentenartfaktor × aktueller Rentenwert.
Aktueller Rentenwert (West) 2026: ~€39.32 per Entgeltpunkt; (Ost) ~€38.48 — fully harmonised by July 2024.
Entgeltpunkte/year = (your gross salary × 12) / Durchschnittsentgelt of all insured (~€45,358 in 2026 for DRV calculations). One year at exactly the average = 1.0 EP. €90k earner = 2.0 EP.
Standard retirement age 67 (born 1964+). Early retirement reduces by 0.3% per month before standard age; late retirement increases by 0.5% per month, max age 70.
Beitragsbemessungsgrenze 2026: ~€7,550/month (West). Salary above this does NOT generate Entgeltpunkte — extra-pension planning needed (Riester, Rürup, betriebliche Altersvorsorge).

Märkused teie prognoosi kohta

Entgeltpunkte/year ≈ 1.06 (your salary / Durchschnittsentgelt €45,358).
Total EP at retirement ≈ 44.4 × Zugangsfaktor 1.000 × Rentenwert €39.32.
Above the Beitragsbemessungsgrenze (€7,550/mo in 2026), additional salary does NOT generate Entgeltpunkte — high earners need private/occupational pensions to maintain replacement rate.

⚠ Olulised hoiatused

Public pension typically replaces only 40-50% of pre-retirement net for average earners. Plan for an occupational pension (bAV) and/or Riester/Rürup to fill the gap.
Pension reform is a perennial political topic — formulas, retirement age and Rentenwert change every 3-5 years. Treat the projected number as a moving target.

🔗 Avage ametlik allikas

Õigusalane lahtiütlus

WorkDaten provides this pension projector for informational and educational purposes only. Calculations use the publicly available 2026 statutory pension formulas of each country and assume your current salary as a constant — IN REALITY, salaries grow over decades, formulas change with reform, retirement ages rise with life expectancy, and current pension values rise with inflation. The number is a long-term ESTIMATE only — actual pension at your retirement date will be determined by the rules in force AT THAT DATE. Each country's pension authority (DRV, CNAV, INSS, INPS, PV, SVB, SFP, ZUS) is the ONLY binding source for your actual entitlement. We accept no liability for retirement-planning decisions based on this tool.

Kuidas Euroopa pensionid tegelikult töötavad

Most EU pension systems use a Pay-As-You-Go (PAYG) model: today's workers' contributions fund today's retirees. The 'pension formula' is what determines YOUR future entitlement based on YOUR contributions. Three model types: (1) Points-based — Germany Entgeltpunkte × Rentenwert. Each €45k of annual gross gives 1 Entgeltpunkt; standard pension is sum-of-points × current point value. (2) Reference-salary-based — France 50% × SAM × trimestres ratio; Spain base reguladora × scaling percentage. (3) Notional defined contribution — Italy sistema contributivo, Poland ZUS. Your contributions accumulate as a notional capital that's converted to a monthly pension at retirement using a coefficient based on remaining life expectancy.

Europe-wide replacement rates: PAYG public pensions typically replace 40-50% of pre-retirement net for average earners — roughly half. The 'pension gap' between this and your desired retirement income (often 70-80% of final net) needs to be filled by: (a) Occupational pension (2nd pillar) — Netherlands 1.875%/year mandatory; UK auto-enrolment; Belgium pension complémentaire; Spain mutualidades; less common in DE/FR/IT. (b) Private pension (3rd pillar) — Germany Riester/Rürup, France PER, Italy fondi pensione, NL lijfrente, Poland IKE/IKZE.

Use this projector for an honest first read. Then check your country's pension authority annual statement (DRV Renteninformation, CNAV relevé de carrière, INSS vida laboral, INPS estratto conto, PV Pensionskonto, mypension.be, mijnpensioenoverzicht.nl, ZUS PUE) for the binding numbers based on YOUR actual career.

Korduma kippuvad küsimused

Short answers to the questions people most often ask before relying on the page.