Pension calculator for Austria
Estimate your state pension in Austria: 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 Austria?
Enter your age, your contribution years and your salary in the calculator above. For example, a 40 year old earning 3,500 EUR per month who keeps working until 65 can expect about 2,098 EUR net per month in today's money.
At what age can I retire in Austria?
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 Austria?
Retirement age is 65 for men. For women it is rising step by step and reaches 65 for everyone born after June 1968. Annual credit = 1.78% x gross annual salary (14 payments), up to 97,020 EUR in 2026. Gross pension per payment = pension account balance / 14. Pensioners pay 6% health insurance and wage tax, with a pensioner tax credit for lower pensions.
How much should I save for retirement in Austria?
With a salary of 3,500 EUR per month, the estimated pension covers about 71.2% of your gross salary. To reach 70% you would need to save about 0 EUR per month, assuming a 3% real return.
How the pension is calculated in Austria
In Austria every year of work adds 1.78% of your annual gross salary, including the 13th and 14th salary, to your personal pension account. At retirement the account balance is divided by 14, because the pension is paid 14 times a year. 45 years at the same salary give 80% of that salary as a gross pension.
- Retirement age is 65 for men. For women it is rising step by step and reaches 65 for everyone born after June 1968.
- Annual credit = 1.78% x gross annual salary (14 payments), up to 97,020 EUR in 2026.
- Gross pension per payment = pension account balance / 14.
- Pensioners pay 6% health insurance and wage tax, with a pensioner tax credit for lower pensions.
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 |
|---|---|---|---|
| 2,500 EUR | 1,780 EUR | 1,641 EUR | 71.2% |
| 3,500 EUR | 2,492 EUR | 2,098 EUR | 71.2% |
| 5,500 EUR | 3,916 EUR | 3,001 EUR | 71.2% |
Minimum pension and retirement age
The equalisation supplement (Ausgleichszulage) raises low pensions of single people to 1,308.39 EUR in 2026, subject to a means test. Early retirement through the corridor pension costs 5.1% per year.
Frequently asked questions
What is the minimum pension in Austria?
The equalisation supplement (Ausgleichszulage) raises low pensions of single people to 1,308.39 EUR in 2026, subject to a means test. Early retirement through the corridor pension costs 5.1% per year.
What does the calculator not include?
Credited periods (child-raising, military service), heavy work and long career rules, the parallel calculation for careers before 2005 and the means test 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. Credited periods (child-raising, military service), heavy work and long career rules, the parallel calculation for careers before 2005 and the means test are not included.