Gratis verktyg
EU-pensionskalkylator
Välj land, aktuell brutto + ålder + kontributionsår + planerad pensionsålder — vi tillämpar landformeln och projicerar bruttopensionen. Ersättningskvot, för-/eftertidsbonus.
⚠ Pensionsreformer sker var 4-5:e år
Frankrike höjde standardålder från 62 till 64 år 2023; Tyskland debatterar 67 → 68; Spanien förlänger referensperiod från 25 till 30 år (2025-2027); Italien växlar mellan contributivo / retributivo; Nederländerna mitt i övergång till avgiftsbestämd 2:a pelare (2026-2028). Dagens siffra speglar dagens regler.
⚠ Detta är en långsiktig projektion
Pensionsberäkningar sträcker sig över 30-40 år och antar din nuvarande lön som konstant. I verkligheten växer löner med tjänsteår + inflation; formler, ålder, avgifter och värde ändras vid reformer. Behandla siffran som en 'storleksordning'. Planera med tjänstepension + privat sparande.
Hur landets pension fungerar
- 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).
Anmärkningar om din projektion
- 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.
⚠ Viktiga varningar
- 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.
Juridisk friskrivning
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.
Hur europeiska pensioner faktiskt fungerar
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.
Vanliga frågor
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