It exists because CNAP doesn't provide official pension estimates to people under age 55, and because the existing online tools are either German-only, French-only, or behind login walls for specific employer schemes. If you're one of the Luxembourg residents or frontaliers who might want a ballpark figure before you turn 55, your options today are: do the math yourself against the Code de la Sécurité Sociale, or wait.
MyPensionPlan.lu fills that gap. It runs in English, French, and German — Luxembourg's three working languages — and handles cross-border careers through the bilateral social-security treaties Luxembourg holds with around 25 countries plus EU regulation 883/2004. The calculator is free to use; a paid planning layer with saved scenarios and richer modelling is in active development.
What MyPensionPlan.lu is not
- Not affiliated with CNAP. CNAP's official site is cnap.public.lu. This is a private project.
- Not financial advice. It's an arithmetic estimate. For personal-finance decisions, speak to a qualified adviser.
- Not insurance distribution. MyPensionPlan.lu does not recommend, sell, or refer insurance products. It holds no CAA authorisation and does not need one.
- Not a replacement for an official CNAP estimate once you're eligible for one. If you're 55 or older, request one from CNAP directly — it accounts for details this calculator doesn't.
How this differs from an official CNAP estimate
- Inputs vs. records. CNAP calculates from your full contribution history. This tool calculates from the inputs you give it. If the inputs are wrong, the result is wrong.
- Complementary periods. CNAP automatically applies all qualifying complementary periods — study years, baby years, maternity, military service, civil-service buy-backs. The engine here covers only what is currently modelled, and several of these are not yet in scope.
- Parameter coverage. 2025 and 2026 reference parameters are populated from official sources; later years use the 2026 baseline as a forecast. The Article 214 revaluation table covers 2013 through 2052+.
- Cent-level validation, not official status. The engine is validated to the cent against all five worked examples in CNAP's January 2025 brochure (max delta €0.005). It is still an estimate, and the calculator output continues to carry the label "Estimate only — not official CNAP calculation".
Known limitations
- Pre-2013 pension starts. The engine implements the post-2013 framework. Pensions that started before 2013 are out of scope.
- Pension d'invalidité and pension de survie. Invalidity and survivor pensions are separate frameworks and are not currently covered.
- Partial and progressive pensions. The new instruments introduced by the 2026 reform are not yet modelled.
- Allocation de fin d'année. The annual end-of-year top-up is not yet computed.
- Net of tax. Output is gross. Income tax, the 2.80% health-insurance contribution, and the 1.40% dependency contribution are not yet applied.
- Pension réajustement. Ongoing post-retirement adjustment of pensions in payment is not modelled.
- Civil-service regime (CGFEP). The fonctionnaire pension regime is not yet modelled; the engine covers the general regime (CNAP).
Privacy
MyPensionPlan.lu uses Plausible Analytics, a cookieless, EU-hosted, privacy-friendly tool that measures aggregate, anonymous usage of the site — page views, calculator submissions, and a small set of feature interaction events. Plausible does not set cookies, does not track you across sites, and stores no personal data. We never log the values you enter into the calculator (date of birth, salary, country selections, career dates, retirement date) — analytics records that an event happened, never what you typed. The dashboard is publicly viewable. See Plausible's data policy for the full technical posture.
Feedback
Bug reports, corrections, and feedback are welcome — email hello@mypensionplan.lu.