If you stopped contributing today — what pension have you earned?
Snapshot — what you've earned so far
Based on your contribution history, this is your pension entitlement if you stopped working today. It's the starting point.
— Luxembourg state pension CNAP
The Luxembourg pension calculator, built on the official formula.
Project what CNAP will pay you at retirement — and stress-test it against any salary, career break, or retirement age.
Takes 5–15 minutes.
Short on time? Start with your pension snapshot.
Same official formula, applied to what you've already contributed. See what you've earned to date in about two minutes — then come back for the full projection.
Two views of your Luxembourg state pension.
CNAP gives you an annual statement of contributions, but no projection of your actual pension if you're under 55. MyPensionPlan.lu fills the gap with two tools that work together.
What will your pension be at retirement?
Calculator — what you'll have at retirement
Project forward using the full CNAP formula: fixed increases, proportional increases, revaluation factors, 2012 reform transition rules. Model different retirement ages, career gaps, baby years, part-time periods, cross-border careers.
Neither tool replaces an official CNAP estimate. Both give you something CNAP won't.
BEFORE YOU ENTER YOUR NUMBERS
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.
Four reference cases from the CNAP old-age pension brochure. Calculator output matches every one within €0.02 per month.
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 breakdownBuilt on the official CNAP formula. Information only — not financial advice.
Three commitments.
01
No email required.
Your figures are computed in your browser. No account, no newsletter, no cookie that follows you. If you want to check your number again tomorrow, bookmark the page — not your inbox.
02
The actual CNAP formula.
Calculations follow the Code de la Sécurité Sociale line by line — the same formula CNAP applies internally. Validated to the cent against CNAP's own published worked examples.
03
No products, no referrals.
MyPensionPlan.lu sells nothing. No insurance, no PEPs, no third-party products. If you want advice, see a qualified adviser — this is a calculator.