Pension calculator

The pension calculator provides an indicative estimate of your future retirement income, not a binding calculation of your pension benefit. The actual amount of your pension will depend on your future income, the length of your pension insurance period, changes in legislation, investment returns on your savings, and other economic and demographic factors.

The Social Insurance Agency will determine the exact amount of your old-age pension once you meet the legal requirements and submit an application.

The calculator estimates your income from all three pillars of the Slovak pension system:

• Pillar I pension paid by the Social Insurance Agency;
• Pillar II pension, if you are a saver in the system;
• Pillar III savings, including your own contributions, employer contributions and expected investment returns.

This gives you a more comprehensive picture than a calculator that estimates only your pension from the Social Insurance Agency.

To calculate your estimate, you’ll need to enter your year of birth, gender, education and gross monthly income. If you’re saving in Pillar II or III, you can make the estimate more accurate by entering the year you joined, your current savings, monthly contributions and pension fund.

The more accurate the information you provide, the more closely the result may reflect your situation.

The pension calculator uses the current calculation model and available data as of its latest update. Since the pension system, retirement age and economic assumptions may change, the result should be treated as an indicative forecast.

Last updated: October 2026

Yes. The result is shown in today’s prices to help you better understand its real value. The calculator takes into account that, as prices rise, the same amount will probably buy you less in the future than it does today.

You can check with your pension fund management company or call the Social Insurance Agency’s free helpline on 0800 123 123. You’ll need to provide your first name, surname and personal identification number.

You can find the current value of your savings in a statement from your pension fund management company, or in its online account or mobile app. If you don’t know the exact amount, you can enter an estimate in the calculator. However, using the exact figure will give you a more accurate result.

Yes. Select “I don’t have one” when asked about Pillar II. The calculator won’t include any Pillar II savings in its estimate.

Yes. You can enter a planned monthly contribution in the calculator to see how Pillar III could affect your total retirement income. You can run the calculation again with different contribution amounts.

The estimate is based on your savings to date, future monthly contributions, employer contributions, the remaining savings period and the assumed returns of your selected fund.

Actual returns are not guaranteed, and the value of your savings may fluctuate over time.

Yes, if you enter them in the relevant field. The employer’s contributions are added to your own contributions and included in the calculator’s estimate of your future Pillar III savings.

You can increase your future pension by starting to save earlier, making regular contributions and taking advantage of any employer contributions. Choosing a pension fund that suits your age and expected retirement date may also help.

Use the calculator to compare different monthly contribution amounts and see how they could affect your estimated pension.

The calculator estimates it based on the information you provide and current assumptions. You can find official information about your retirement age and recorded pension insurance periods in the Social Insurance Agency’s Electronic Insured Person Account.

The Social Insurance Agency provides a pension forecast in its Electronic Insured Person Account. It includes information on record with the Agency and an indicative estimate of your future pension. Tatra banka’s pension calculator complements this by allowing you to model your own and your employer’s contributions to Pillar III.