Pension calculator for Serbia
Estimate your state pension in Serbia: 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 Serbia?
Enter your age, your contribution years and your salary in the calculator above. For example, a 40 year old earning 163,470 RSD per month who keeps working until 65 can expect about 66,987 RSD net per month in today's money.
At what age can I retire in Serbia?
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 Serbia?
Retirement age is 65 for men and 64 for women in 2026, rising by 2 months a year to 65 in 2032. At least 15 years of insurance are needed, and 45 years allow retirement at any age. Personal coefficient = average of gross salary / national average gross salary (max. 3.8). Pension = personal coefficient x pension years (x 1.06 for women, max. 45) x 1,674.67 RSD. Pensions carry no income tax and no contributions for the pensioner.
How much should I save for retirement in Serbia?
With a salary of 163,470 RSD per month, the estimated pension covers about 41.0% of your gross salary. To reach 70% you would need to save about 19,359 RSD per month, assuming a 3% real return.
How the pension is calculated in Serbia
In Serbia the pension is calculated from personal points: your average ratio of gross salary to the national average, multiplied by your years of service and by the value of the general point, 1,674.67 RSD since December 2025. Women get 6% more pension years. Pensions are not taxed.
- Retirement age is 65 for men and 64 for women in 2026, rising by 2 months a year to 65 in 2032. At least 15 years of insurance are needed, and 45 years allow retirement at any age.
- Personal coefficient = average of gross salary / national average gross salary (max. 3.8).
- Pension = personal coefficient x pension years (x 1.06 for women, max. 45) x 1,674.67 RSD.
- Pensions carry no income tax and no contributions for the pensioner.
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 |
|---|---|---|---|
| 100,000 RSD | 40,978 RSD | 40,978 RSD | 41.0% |
| 163,470 RSD | 66,987 RSD | 66,987 RSD | 41.0% |
| 250,000 RSD | 102,445 RSD | 102,445 RSD | 41.0% |
Minimum pension and retirement age
The minimum pension is 31,092.11 RSD and the maximum 286,368.57 RSD per month in 2026. The average old-age pension for employees was 64,946 RSD in June 2026.
Frequently asked questions
What is the minimum pension in Serbia?
The minimum pension is 31,092.11 RSD and the maximum 286,368.57 RSD per month in 2026. The average old-age pension for employees was 64,946 RSD in June 2026.
What does the calculator not include?
Early retirement penalties, special and extended service, the farmer scheme and the announced increase from December 2026 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. Early retirement penalties, special and extended service, the farmer scheme and the announced increase from December 2026 are not included.