Ferramenta gratuita
Calculadora pensão UE
Escolhe país, bruto atual + idade + anos contributivos + idade de reforma — aplicamos a fórmula do país e projetamos a pensão bruta. Taxa de substituição, penalização/bónus.
⚠ As reformas das pensões ocorrem a cada 4-5 anos
França subiu a idade padrão de 62 para 64 em 2023; Alemanha debate 67 → 68; Espanha alarga período de referência de 25 para 30 anos (2025-2027); Itália alterna entre contributivo / retributivo; Países Baixos em transição para 2º pilar de contribuição definida (2026-2028). O número de hoje reflete as regras de HOJE.
⚠ Esta é uma projeção a longo prazo
Cálculos de pensão abrangem 30-40 anos e assumem o teu salário atual como constante. Na realidade salários crescem com antiguidade + inflação; fórmulas, idade, contribuições e valor do ponto mudam com reformas. Considera o número como 'ordem de grandeza'. Planeia com PPR (3º pilar).
Como funciona a pensão neste país
- 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).
Notas sobre a tua projeção
- 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.
⚠ Avisos importantes
- 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.
Aviso legal
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.
Como funcionam realmente as pensões europeias
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.
Perguntas frequentes
Respostas curtas às perguntas mais comuns antes de usar esta página como referência.