Pension Forecast

Table of contents

What is a pension forecast

A pension forecast is a comprehensive document that the Social Insurance Agency will use to inform insured person's from 2026 about their expected pension entitlements from pension insurance (I. Pillar) and old-age pension savings (II. Pillar).

From 2028, the pension forecast will be supplemented with information about expected pension entitlements from supplementary pension savings (Pillar 3) and from the European personal pension product, if the insured person participates in any of these forms of savings.

What will the pension forecast contain

In the pension forecast, the insured person will learn in particular:

• how many years of pension insurance he has acquired as of 31 December of the previous calendar year;
• what his expected retirement age will be;
• what is his current value of a specific personal wage point;
• what will be his expected old-age pension from I. and II. Pillars (if he is a saver), in three scenarios – basic, optimistic and pessimistic one;
• what will be his expected early retirement pension from I. and II. Pillars (if he is a saver) – this information will only concern a certain group of insured persons.

1. When and to whom will the Social Insurance Agency send the pension forecast for the first time?

The Social Insurance Agency will send the pension forecast for the first time by 31 May 2026. It will be sent to all insured persons who were pension insured for at least one day after reaching the age of 18 before 1 January 2026.

The Social Insurance Agency will not send the pension forecast to recipients of

• old-age pension;
• early old-age pension; or
• disability pension who has reached retirement age.

2. How will the Social Insurance Agency send the pension forecast?

The Social Insurance Agency ill send the pension forecast

• to the insured person's email address

  The Social Insurance Agency sends the pension forecast to the email address provided to the Social Insurance Agency by the pension management company, if the latter already sends the pension forecast from the II. Pillar to the insured person’s email address, or to the email address that the insured person has notified the Social Insurance Agency for this purpose;

• in writing, i.e. by post or to the insured person's electronic mailbox , if it is activated

  If the Social Insurance Agency does not register the email address for the purpose of sending the pension forecast, the pension forecast will be sent by post or electronically to an electronic mailbox (if the insured person has activated it);

• only to the Insuree’s Electronic Account, if the insured person notifies the Social Insurance Agency that he/she requests the pension forecast be made available exclusively in the Insuree’s Electronic Account

  The Insuree will be able to indicate directly in the Insuree’s Electronic Account that he/she is interested in making the pension forecast available only in the Insuree’s Electronic Account. The Social Insurance Agency will then no longer send him/her the pension forecast in any other way and will always make it available to him/her in the Insuree’s Electronic Account.

3. When and to whom will the Social Insurance Agency send further pension forecasts?

After 2026, the Social Insurance Agency will send pension forecasts as follows:

• to insured persons under 50 years of age every five calendar years and
• to insured persons over 50 years of age every calendar year until
  • granting of an old-age pension or early old-age pension;
  • reaching retirement age, if the recipient is a beneficiary of a disability pension.

4. Can I monitor in the Insuree’s Electronic Account which pension insurance data the Social Insurance Agency records about me?

Insured persons can already monitor in the Insuree’s Electronic Account (EUP) the pension insurance periods they have acquired, which are recorded by the Social Insurance Agency.

Insured persons older than 39 years of age have the section Preparing for Retirement available in the Insuree’s Electronic Account, in which, among other things, they will find information about the period of their respective pension insurance and assessment bases registered by the Social Insurance Agency, as well as about unregistered (missing) periods.

An insured person who is less than 39 years of age does not see Preparing for Retirement, but they can follow the Periods of Pension Insurance.

More information: How should I set up access to the Insuree’s Electronic Account