Free Pension Calculator 2026 - Calculate Pension Benefits by Country
Calculate your pension benefits for any country. Our pension calculator supports State Pension (UK), CPP/OAS (Canada), CPF (Singapore), AHV (Switzerland), and 11 countries total. Get your pension forecast and plan your retirement.
Pension System: Social Security
Normal retirement age: 67(Early: 62, Late: 70)
Your average income over your working years
Number of years you've contributed to the pension system
Pension Calculator by Country: Complete Guide 2026
What is a Pension Calculator? A pension calculator helps you estimate your future pension benefits based on your income, years of contributions, and retirement age. Our free pension calculator supports 11 countries and their specific pension systems.
Country-Specific Pension Systems:
- United States: Social Security - income-based benefits calculated from your highest 35 years of earnings
- Canada: CPP (Canada Pension Plan) and OAS (Old Age Security) - income-based with flat OAS component
- United Kingdom: State Pension - flat rate pension based on National Insurance contributions
- Australia: Age Pension - means-tested pension with income and asset tests
- Singapore: CPF (Central Provident Fund) - mandatory savings scheme with retirement account
- Germany: Gesetzliche Rentenversicherung - income-based pension system
- France: Régime Général - pay-as-you-go pension system
- Switzerland: AHV (Alters- und Hinterlassenenversicherung) - first pillar of 3-pillar system
- Netherlands: AOW (Algemene Ouderdomswet) - basic state pension
- Sweden: Allmän Pension - income-based pension system
- Japan: 厚生年金 (Kosei Nenkin) - employee pension insurance
How Pension Benefits are Calculated: Most pension systems calculate benefits based on your average income over your working years, years of contributions, and retirement age. Early retirement typically reduces benefits, while delaying retirement increases them. Our calculator uses country-specific formulas to provide accurate estimates.
Pension Forecast: Use our calculator to get a pension forecast and see how different retirement ages affect your benefits. This helps you plan when to retire and how much you'll receive from your country's pension system.
Frequently Asked Questions - Pension Calculator
Pension calculation varies by country. Most systems calculate benefits based on your average income over your working years, years of contributions, and retirement age. Income-based systems (like US Social Security, Canada CPP) use your earnings history. Flat-rate systems (like UK State Pension) provide a fixed amount based on contribution years. Our calculator uses country-specific formulas to estimate your pension benefits.
State Pension (or equivalent like Social Security, CPP, etc.) is a government-provided pension based on your National Insurance/Social Security contributions. Workplace pensions are employer-sponsored retirement plans (like 401k, workplace pensions, superannuation). Many people receive both types of pensions in retirement. Our calculator focuses on the state/government pension system.
Our calculator provides estimates based on simplified formulas and country-specific pension rules. Actual pension benefits may vary based on your specific contribution history, income levels, and country-specific rules. For accurate pension forecasts, you should consult your country's official pension administration website (e.g., SSA.gov for US, Service Canada for CPP, Gov.uk for UK State Pension).
Taking early retirement typically reduces your monthly pension benefit permanently, while delaying retirement increases it. The best choice depends on your health, financial needs, and life expectancy. Use our calculator to compare benefits at different retirement ages and see the lifetime benefit differences. Generally, if you expect to live beyond age 78-80, delaying retirement provides more lifetime benefits.
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