Pension calculator for Albania
Estimate your state pension in Albania: gross and net amount, retirement age and how much to save to close the gap.
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Popular questions
How much will my pension be in Albania?
Enter your age, your contribution years and your salary in the calculator above. For example, a 40 year old earning 90,119 ALL per month who keeps working until 65 can expect about 46,268 ALL net per month in today's money.
At what age can I retire in Albania?
For someone aged 40 today the statutory retirement age is 65. Retiring earlier usually reduces the pension, and working longer increases it.
How is the state pension calculated in Albania?
Retirement age is 65 for men and 62 for women in 2026, with women rising by 2 months a year to 63. A full pension needs 39 years, rising to 40 from 2029, and the minimum is 15 years. Basic part = social pension (about 10,220 lek) x years / required years. Increment = 1% x years of contributions x average insured wage. Pensions are not taxed.
How much should I save for retirement in Albania?
With a salary of 90,119 ALL per month, the estimated pension covers about 51.3% of your gross salary. To reach 70% you would need to save about 6,862 ALL per month, assuming a 3% real return.
How the pension is calculated in Albania
The Albanian old-age pension has two parts: a basic part equal to the social pension for a full career, and an increment of 1% of your average insured wage for every year of contributions. Pensions are not taxed. The retirement age for women is rising, and later both sexes will move towards 67.
- Retirement age is 65 for men and 62 for women in 2026, with women rising by 2 months a year to 63. A full pension needs 39 years, rising to 40 from 2029, and the minimum is 15 years.
- Basic part = social pension (about 10,220 lek) x years / required years.
- Increment = 1% x years of contributions x average insured wage.
- Pensions are not taxed.
Examples for 2026
Person aged 40 with 15 years of contributions, retiring at the statutory age, amounts per month in today's money.
| Gross salary | Gross pension | Net pension | Share of salary |
|---|---|---|---|
| 60,000 ALL | 34,220 ALL | 34,220 ALL | 57.0% |
| 90,119 ALL | 46,268 ALL | 46,268 ALL | 51.3% |
| 150,000 ALL | 70,220 ALL | 70,220 ALL | 46.8% |
Minimum pension and retirement age
The minimum full urban pension was 17,888 lek in the latest confirmed data. The average urban pension is about 20,700 lek after the July 2026 indexation.
Frequently asked questions
What is the minimum pension in Albania?
The minimum full urban pension was 17,888 lek in the latest confirmed data. The average urban pension is about 20,700 lek after the July 2026 indexation.
What does the calculator not include?
The rural scheme, bonuses paid on top of pensions, early retirement and the planned future increase of the retirement age are not included.
Is this an official pension calculation?
No. It is an informational estimate based on 2026 rules published by the official sources listed on this page. For your exact entitlement, check your personal pension statement or ask the pension authority.
Sources and disclaimer
These results are an informational estimate in today's money. We use the 2026 rules and amounts published by the institutions below and check them when the rules change. Real pensions depend on your full insurance record. The rural scheme, bonuses paid on top of pensions, early retirement and the planned future increase of the retirement age are not included.