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Pension calculator

Enter your career details to estimate your future Luxembourg pension. The calculator applies the official CNAP formula and documents every assumption on the methodology page. Information only, not financial advice.

Date of birth

You must be at least 25.

Career start

The day, month, and year your Luxembourg insured career began (1984–2026).

Planned retirement date

At least one year from today.

I plan to leave Luxembourg before retirement

Switches the calculator to the "early-departure" path: enter your Luxembourg career end date, pick a claim age, and tell us where you're moving. See the 10-year rule for how this works.

Expected real salary growth2.00%

Annual real growth (above inflation). Typical range: 1–3%.

Current gross annual salary (EUR)

Between €10,000 and €500,000.

Salary history

Enter your actual gross annual salary for any years you remember. Leave others blank — we'll estimate those from your growth assumption. You can also set expected future salary for specific years.

Fill in your date of birth, retirement date, and career start year to see the salary table.

Baby years (années bébé)optional

Parents who raised children in Luxembourg can claim 24 months of insurance credit per child (48 if the child has a disability or there were ≥2 other minor children in the household at birth), plus complementary credit until each child turns 6. Covered by CSS Art. 171 §7 and Art. 172 §4.

No children declared. Click below to add one.

Study years (périodes d'études)optional

Up to 9 years of higher education or unpaid professional training after age 18 can be counted as complementary insurance periods. Covered by CSS Art. 172 §2 (as amended by Law 8634, 2026-01-01 — the pre-reform age-27 ceiling was removed).

Years of higher education

Maximum 9 years total. Must be after age 18 completed. Paid apprenticeships are excluded — they count under your regular salary history.

Career gapsoptional

Months when you were not insured in Luxembourg under any regime (no salary, no assurance continuée, no rachat). These reduce your insured years proportionally.

No gaps declared. Click below to add one.

Work abroad (EU / EEA / Switzerland / UK)optional

Periods insured under another EU/EEA country's (or Switzerland's or UK's) pension regime. Luxembourg totalises these with your LU career under EU Regulation 883/2004 and pays the higher of an autonomous or pro-rata amount. You do not need to enter a salary — foreign years are imputed at your Luxembourg earnings level for the theoretical calculation. Countries with LU bilateral conventions (US, Canada, etc.) follow a different scheme and are out of scope here.

No foreign periods declared. Click below to add one.