Live
Old-age pension (CNAP)
The general regime — projected forward from your contribution history. Validated to the cent against five worked CNAP brochure examples.
Read the methodology → — Luxembourg state pension CNAP
The Luxembourg pension calculator, built on the official formula.
For everyone CNAP can't or won't calculate for — and for those who got a letter and want to stress-test it.
I'm under 55
CNAP doesn't issue estimates yet. Project forward to retirement using the official formula.
Run a projection →I'm 55+ and have a CNAP letter
Use your letter as the anchor. Stress-test it against different retirement ages, salaries, or career changes.
Model scenarios →I'm 55+ without a letter
Eligible for an estimate but didn't get one. Calculate while you wait — or instead of waiting.
Calculate now → Validated · CCSS January 2025
What this calculates.
Five Luxembourg pension regimes, modelled against the law — not approximations.
Live
Invalidity pension
Calculated under CSS Art. 187. Validated to the cent against both worked examples in the CNAP invalidity brochure.
Read the methodology → Live
Survivor pension
Spouse, partner, and orphan pensions calculated against the deceased's projected old-age or invalidity entitlement.
Read the methodology → Live
Cross-border careers
EU Regulation 883/2004 plus 21 bilateral treaty engines. Aggregation, totalisation, and the autonomous-or-better dual calculation.
Read the methodology → Planned · Q3 2026
Civil-service pension (CGFEP)
The fonctionnaire regime is a separate framework. The engine for it is in active development; we'll publish the methodology when it ships.
Read the early notes →Two ways to start your forecast.
Build your career history step by step, or use your CCSS letter for a faster, more accurate result. Both routes use the same CNAP-formula engine and project forward to whatever retirement date you choose.
No CCSS letter handy?
Manual mode — build your career from scratch
Enter your career history step by step: salary, gaps, baby years, study years, part-time periods, cross-border work. The calculator projects forward using the full CNAP formula.
Have your CCSS letter?
Letter mode — use your annual extract
Skip the LU career reconstruction. Anchor on the printed pension estimate (for users 55 and over), or paste in your per-year career table. Faster and more accurate than typing it from memory.
Whichever route you take, your data stays in your browser. No CNAP login, no account, no email.
Check our work.
01
The actual pension law, not an approximation.
The engine implements the statutory formula from the Code de la Sécurité Sociale — Articles 214 and 220 — with parameters published by grand-ducal regulation.
See the formula02
Matched against CNAP's own worked examples.
Five worked old-age cases from the CNAP January 2025 brochure and two worked invalidity cases from the May 2025 brochure. Calculator output matches every one to the cent (max delta €0.005).
See the validation03
Every component shown.
Fixed increases, proportional increases, effective MP rate, threshold excess, minimum-pension top-up — each on its own line in the breakdown, not hidden behind a single figure.
See a sample breakdown