Pension calculator for North Macedonia
Estimate your state pension in North Macedonia: 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 North Macedonia?
Enter your age, your contribution years and your salary in the calculator above. For example, a 40 year old earning 69,141 MKD per month who keeps working until 64 can expect about 26,140 MKD net per month in today's money.
At what age can I retire in North Macedonia?
For someone aged 40 today the statutory retirement age is 64. Retiring earlier usually reduces the pension, and working longer increases it.
How is the state pension calculated in North Macedonia?
Retirement age is 64 for men and 62 for women, with at least 15 years of service. First pillar pension = years of service x 1% (men) or 1.14% (women) x pension base (average net salary). Second pillar: 6% of gross salary goes to a private fund, shown here as an estimated annuity over 18 years. Pensions are taxed at 10% above the personal allowance.
How much should I save for retirement in North Macedonia?
With a salary of 69,141 MKD per month, the estimated pension covers about 40.4% of your gross salary. To reach 70% you would need to save about 8,857 MKD per month, assuming a 3% real return.
How the pension is calculated in North Macedonia
North Macedonia has a two-pillar system for most people who started working after 2003. The state pension from the first pillar accrues 1% of the pension base per year for men and 1.14% for women, and the second pillar fund adds its own annuity. The calculator shows both, with a simple estimate for the second pillar.
- Retirement age is 64 for men and 62 for women, with at least 15 years of service.
- First pillar pension = years of service x 1% (men) or 1.14% (women) x pension base (average net salary).
- Second pillar: 6% of gross salary goes to a private fund, shown here as an estimated annuity over 18 years.
- Pensions are taxed at 10% above the personal allowance.
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 |
|---|---|---|---|
| 45,000 MKD | 21,515 MKD | 20,391 MKD | 47.8% |
| 69,141 MKD | 27,903 MKD | 26,140 MKD | 40.4% |
| 110,000 MKD | 44,392 MKD | 40,980 MKD | 40.4% |
Minimum pension and retirement age
The lowest pension is about 21,515 MKD and the highest about 97,162 MKD per month after the September 2026 increase. The average pension is about 28,891 MKD.
Frequently asked questions
What is the minimum pension in North Macedonia?
The lowest pension is about 21,515 MKD and the highest about 97,162 MKD per month after the September 2026 increase. The average pension is about 28,891 MKD.
What does the calculator not include?
The exact second pillar annuity, extended service, sector reliefs and ad hoc pension increases 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 exact second pillar annuity, extended service, sector reliefs and ad hoc pension increases are not included.