Pension forecast 2026: how much will my pension be?

Your pension from the Austrian pension account, projected to your retirement: when you can retire, what the corridor pension costs and what each further working year adds, gross and net in today's values, under the Allgemeines Pensionsgesetz, as of 2026.

Your details

Date of birth
Sex
Gross salary today
€/mo
Working since
Children

Your pension account up to the statutory age

Total credit (nominal)
in 2026 values
Corridor pension, reduced Statutory age Later, with increment

Your pension (forecast)

Net pension per month€2,581.04
Gross pension per month€3,312.61

14 times a year, €36,135 net a year. Nominal 2045: €5,300.90 gross (forecast).

Statutory retirement age65 years

pension starts 1 January 2045

Corridor pension63 years, 1 January 2043

with 516 of at least 504 insurance months (forecast), reduction 10.2 %

Long-term insured pensionnot possible

From 62 years with 540 contribution months from work; you would reach them only after the statutory age (forecast).

Total credit at the start (forecast)€74,213

nominal, ÷ 14 = €5,300.90 gross a month in 2045

Retiring earlier or later (forecast)

Corridor pension01/2043, 63 years€2,279.48

reduction 10.2 %; gross €2,842.80 today, €4,329.89 in 2043

Statutory age01/2045, 65 years€2,581.04

no reduction; gross €3,312.61 today, €5,300.90 in 2045

1 year later01/2046, 66 years€2,719.87

increment 5.1 %; gross €3,558.76 today, €5,837.16 in 2046

2 years later01/2047, 67 years€2,862.93

increment 10.2 %; gross €3,812.40 today, €6,409.51 in 2047

3 years later01/2048, 68 years€3,010.20

increment 15.3 %; gross €4,073.53 today, €7,019.75 in 2048

How the pension is calculated

Since 2005 everyone born from 1955 has a pension account (Allgemeines Pensionsgesetz). Each year 1.78 % of the contribution bases is credited, i.e. of the gross salary including the 13th and 14th and of periods such as child-raising or unemployment benefit. At most the annual ceiling counts, 420 daily contribution ceilings, in 2026 420 × €231.00 = €97,020.00.

At the end of each year the balance so far is revalued with the revaluation factor (§ 108a ASVG), which follows wage growth, so early credits keep their value against wages. The sum is the total credit (Gesamtgutschrift); divided by 14 it gives the monthly gross pension at the statutory age.

Retiring earlier costs: with the corridor pension (from 63 years, 504 insurance months) 0.425 % less per month, 5.1 % a year. Working longer adds 0.425 % per month, at most 15.3 %, plus further credits. Which option applies when is under retirement age. What a gross pension leaves net is in the pension calculator; how it rises each year after that, in pension increase and purchasing power.

Assumptions and limits of the forecast

  • Insured before 2005: the periods up to 2013 are in the initial credit (Kontoerstgutschrift), worked out under old law (§ 15 APG). The forecast treats those years like account years; it gets more accurate with the balance from your pension account.
  • Continuously employed from January of the first year until the month before the pension starts, at today's salary rising with wages. Past years are therefore assumed, not your real contribution bases.
  • Child-raising: 48 months per child from the birth year, in whole calendar years; a further child ends the previous child's period, so months never count twice. Multiple births and sharing between parents are not modelled. Child-raising counts towards the 180 insurance months, not the 84 from employment.
  • Long-term insured pension: contribution months from work are the months from the first year, plus child-raising before it up to 60 months; military or civilian service is not modelled separately. Heavy work counts as you state it. The early-starter bonus counts the months of work up to the month of the 20th birthday, for pensions starting from 2022.
  • Not modelled: partial pension, unemployment, part-time or self-employment, invalidity pension, the equalisation supplement with its bonus and the first adjustment after retirement.
  • Net under the 2026 rules: tax brackets and credits will change by the time you retire, so the net in today's values is an approximation.

Frequently asked questions

It depends mainly on how long you work and how much you earn. An example: someone born in 1980, working continuously since 2000 and earning today's middle full-time salary of €4,230 (forecast), reaches about €3,313 gross and €2,581 net a month at 65 years in today's values (forecast), 78 % of the gross salary after 45 years. In nominal terms the 2045 pension notice would show about €5,301 gross, because wages and the account rise until then. The card above computes your own figures.
From the pension account: each year 1.78 % of the contribution bases is added, capped at the annual ceiling, and the balance so far is adjusted to wages with the revaluation factor (§ 12 APG). The total credit at the start date divided by 14 is the monthly gross pension (§ 5 (1) APG). Retiring before the statutory age brings a reduction, later an increment. Health insurance and wage tax are deducted from it.
It is the sum of all partial credits so far, each revalued, plus any initial credit for periods before 2005. Divided by 14 it shows what the gross pension at the statutory age would be today, without the future years. A total credit of €30,000 thus equals €2,142.86 gross a month. It is in the yearly account statement; entered above, the forecast carries on from that balance.
0.425 % for every month before the statutory age (§ 5 (2) APG), 5.1 % a year. A man retiring at 63 years instead of 65 years thus loses 10.2 % for good, and the credits of the last years are missing too. In the first question's example that is €2,843 instead of €3,313 gross in today's values (forecast). It requires 504 insurance months; the values by date of birth are under retirement age.
Men at 65 years. Women born up to the end of 1963 at 60 years; after that the age rises by six months per birth half-year until, for women born from 1.7.1968, it is 65 as well (born in the half-year before: 64 years, 6 months). The pension starts on the first of the month after the birthday. Earlier is possible with the corridor pension from 63 years with enough insurance months. The full table is under retirement age.
The calculation itself follows the statute; the assumptions are what is uncertain. The main one is wage growth: wage growth up to 2025 from the revaluation factors (provisional), then the WIFO forecast (2026 2.4 % and 2027 2.6 %), from 2028 2.5 % a year (forecast). If wages grow faster, credits and revaluation rise, but little changes in today's values, since both move with wages. Gaps matter more: years without work, part-time or a different salary. The forecast is most accurate when you enter the balance from your pension account, especially with insurance periods before 2005.

Read on and calculate

Pension calculator Pension increase and purchasing power Pension gross-net table Pension account Retirement age Pension increase

Sources: §§ 4, 5, 12 and 15 APG with § 38 APG and Annex 2 (RIS); § 108a ASVG (revaluation factor) with the yearly notices, for 2027 ÖGK's expected value; § 223 (2) ASVG (start date); constitutional act BGBl 832/1992 (women's statutory age); Pensionsversicherungsanstalt; WIFO wage forecast (via the median-wage table); net pension with the same engine as the pension calculator.