The years you worked abroad are missing from your Austrian pension.
The Austrian pension account credits 1.78% of your gross income per contribution year. Model your expected state pension, the gap to your target income, and the monthly savings needed to close it.
Your Austrian pension account
Austria credits 1.78% of your annual gross income to your pension account each contribution year. Years spent working abroad simply do not count towards it.
- Total contribution years
- 33
- Estimated state pension (gross)
- € 2,937
- Estimated state pension (net)
- € 2,308
- Capital needed at retirement
- € 281,322
- Projected value of current savings
- € 270,908
- Required monthly savings
- € 17
Estimate based on the Austrian pension account (1.78% accrual, 14 payments a year, contribution ceiling), less 5.1% health insurance and income tax. Foreign entitlements, corridor pensions, early-retirement deductions and inflation are not modelled. Request your official Pensionskontoauszug for exact figures.
This calculator provides a non-binding estimate for orientation. It is not tax or investment advice, and it does not replace an individual assessment of your situation.
The rules behind the numbers.
1.78% per contribution year
Each year, 1.78% of your pension-relevant gross income is credited to your pension account, capped at the contribution ceiling.
Paid 14 times a year
Austrian pensions follow the same rhythm as salaries. Health insurance of 5.1% and income tax are deducted from the gross pension.
Foreign years count separately
EU, EEA and treaty-country contribution years can help you qualify for a pension but are paid separately by that country and are usually much smaller than an Austrian year.
Closing the gap
The calculator sizes the capital needed to fund your gap for 25 years of retirement at a 2% real drawdown, then derives the monthly savings rate.
Questions we get asked.
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