Kako natančna je ta projekcija pokojnine?

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.

Naj delam dlje ali se upokojim prej?

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.

Ali bodo javne pokojnine varne čez 30 let?

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.

Brezplačno orodje

EU kalkulator pokojnine

Izberite svojo državo, vnesite trenutni mesečni bruto + starost + leta prispevkov + načrtovano starost upokojitve. Uporabimo formulo države (DE Rentenformel, FR CNAV+AGIRC, ES base reguladora, IT contributivo, AT APG, NL AOW+2. steber, BE 60 %/75 %, PL ZUS) in predvidimo vašo mesečno bruto pokojnino ob upokojitvi. Stopnja nadomestila, kazen/bonus za zgodnjo/pozno upokojitev, primerjava upokojitvene starosti. Konzervativna zasnova.

⚠ Ocena — pokojninske reforme spremenijo vse

⚠ Pokojninske reforme se zgodijo vsake 4-5 let

Francija je leta 2023 dvignila standardno starost s 62 na 64; Nemčija razpravlja o dvigu s 67 na 68; Španija podaljšuje referenčno obdobje s 25 na 30 let (postopno uvajanje 2025-2027); Italija preklapljanja med sistemoma contributivo in retributivo za različne kohorte; Nizozemska je sredi prehoda na 2. steber z določenim prispevkom (2026-2028); Poljska se večkrat pogovarja o starosti upokojitve žensk. Številka, ki jo danes vidite, odraža DANAŠNJA pravila — vaša dejanska pokojnina ob upokojitvi bo uporabila pravila, ki veljajo NA TIST prihodnji datum.

Država

Trenutni mesečni bruto (EUR)Trenutna starost

Dokončana leta prispevkov

Vsota vseh let dela + plačanih socialnih prispevkov

Načrtovana starost upokojitve

Razpon: 63-70

⚠ To je dolgoročna napoved

Izračuni pokojnine se raztezajo čez 30-40 let in predpostavljajo vašo trenutno plačo kot stalni nadomestek. V resnici plače rastejo z delovno dobo + inflacijo; pokojninske formule, upokojitvena starost, stopnje prispevkov in trenutna vrednost pokojnine se spreminjajo z reformami. Obravnavajte številko kot 'grobi red velikosti' — ne zajamčen znesek. Načrtujte s poklicnimi + zasebnimi pokojninami (3. steber), da zapolnite vrzel.

Mesečna bruto pokojnina

€1,748

Stopnja nadomestila

44%

Skupna leta prispevkov

+ 32 let do prispevanja

🎯Standardna upokojitvena starost

Kako deluje pokojnina te države

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).

Opombe o vaši napovedi

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.

⚠ Pomembna opozorila

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.

🔗 Odprite uradni vir

Pravni zaznamek

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.

Kako evropske pokojnine resnično delujejo

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.

Pogosto postavljena vprašanja

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