EFKA Pension Calculator
Estimate your future pension based on EFKA contributions, years of service, and retirement scenarios.
Employee and self-employed scenarios with different EFKA categories and retirement ages.
⚠️ Pension capped at maximum legal limit of €4,608/month (Law 4623/2019)
Estimated Pension
Monthly Pension (x12) €0
Annual Pension €0
% of Today's Income 0%
in 2025 money
Final Salary €0
Monthly Pension €0
Contribution Analysis
Years to Retirement 0
Total Years of Insurance 0
Total Contributions to Retirement €0
Employee Contributions €0
Employer Contributions €0
Self-Employed Contributions €0
Retirement Scenarios
3 years earlier
Age 0
Monthly (x12) €0
Your planned age
Age 0
Monthly (x12) €0
3 years later
Age 0
Monthly (x12) €0
Economic Scenarios
See how different economic assumptions affect your pension estimate:
Conservative
Wage Growth: 2%
Inflation: 4%
Monthly Pension: €0
Real Value: €0
Base Case
Wage Growth: 4%
Inflation: 3%
Monthly Pension: €0
Real Value: €0
Optimistic
Wage Growth: 6%
Inflation: 2%
Monthly Pension: €0
Real Value: €0
Auxiliary Pension Estimate (NDC)
Optional auxiliary pension based on separate contributions (approximate estimate):
Auxiliary Monthly Pension €0
Total with Main Pension €0
These calculations are estimates based on current legislation and assumptions. Actual pension amounts may differ due to future legislative changes, economic factors, and individual circumstances. The auxiliary pension is a simplified estimate and may not reflect actual NDC calculations. Consult with EFKA or a pension advisor for official calculations.
EFKA Pension Examples
Based on Law 4670/2020 replacement rates: 11.55% at 15 years, 50% at 40 years. All figures in 2025 euros.
Employee, €25,000/year, 35 years old
With 15 years insured, retiring at 67 (32 more years), expected monthly pension ~€1.200-1.500
Employee, €40,000/year, 45 years old
With 20 years insured, retiring at 67 (22 more years = 42 total), expected monthly pension ~€1.800-2.200
Self-employed, Category 3, 40 years old
Paying €370.80/month, retiring at 67 (27 more years), expected monthly pension ~€900-1.100
Early retirement at 62
With 40+ years of insurance, you can retire at 62 without reduction. Otherwise expect ~30% reduction for retiring 5 years early.
High earner, €80,000/year
Pensionable earnings capped at €6,500/month. With 40 years, maximum pension ~€3,250/month (50% replacement).
Maximum pension cap
Law 4623/2019 caps total pension at €4,608/month regardless of earnings or contributions.
Estimates depend on income growth, inflation, and years of service. Use the calculator with your specific inputs for personalized results.
