Strumento gratuito
Calcolatore pensione UE
Scegli il Paese, lordo attuale + età + anni contributivi + età pensionamento prevista — applichiamo la formula del Paese e proiettiamo la pensione lorda. Tasso di sostituzione, decurtazione/maggiorazione.
⚠ Le riforme pensionistiche avvengono ogni 4-5 anni
Francia ha alzato l'età standard da 62 a 64 nel 2023; Germania dibatte 67 → 68; Spagna estende periodo riferimento da 25 a 30 anni (2025-2027); Italia alterna contributivo / retributivo; Paesi Bassi in transizione a 2° pilastro contribuzione definita (2026-2028); Polonia dibatte ricorrentemente età pensionistica femminile. Il numero di oggi riflette le regole di OGGI — la tua pensione effettiva userà le regole in vigore A QUEL momento.
⚠ Questa è una proiezione a lungo termine
I calcoli pensionistici coprono 30-40 anni e usano il tuo stipendio attuale come costante. In realtà gli stipendi crescono con anzianità + inflazione; formule, età pensionamento, aliquote contributive e valore del punto cambiano con le riforme. Considera il numero come 'ordine di grandezza'. Pianifica con previdenza complementare (3° pilastro).
Come funziona la pensione in questo Paese
- 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).
Note sulla tua proiezione
- 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.
⚠ Avvertenze importanti
- 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.
Avviso legale
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.
Come funzionano davvero le pensioni europee
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.
Domande frequenti
Risposte brevi alle domande più frequenti prima di usare questa pagina come riferimento.