Pension Points Calculator

Gross monthly salary

Years at this salary

Advanced options

Contribution ceiling

Price of one point

Result

Annual salary$1,080,000.00
Points per year3.914
Points in total3.91
Monthly pension added$570.30
Of the annual maximum39.1% от максимума
Years to 30 points8

Ten points a year is the ceiling

How many pension points a year of work earns at your salary, the running total, and what that adds to a future monthly pension.

Points accrue in proportion to declared pay: ten points for a year in which contributions were paid on the full contribution base, five for half of it. Money paid informally earns nothing at all.

A state pension needs at least thirty points and fifteen years of service. On an average salary thirty points takes roughly a decade; on the minimum wage it stretches past twenty years.

What this calculator shows

Points earned in a year at your salary
The running total and the monthly pension it converts to
How many years at this salary are needed to reach thirty points

What to keep in mind

Both the contribution ceiling and the price of a point are indexed annually and are editable so past years can be modelled.
Only the insurance component is shown; the flat-rate payment everyone receives is added on top.

FAQs

How many points does a pension need?

Thirty, alongside fifteen years of insured service. Both conditions must be met.

Do non-working periods earn points?

Some do: 1.8 for a year of military service or care of a disabled person, 1.8 for a first child, 3.6 for a second, 5.4 for a third, capped at six years of childcare.

What happens if I fall short?

A social pension is granted instead, five years later and at a lower amount. Missing points can be bought by paying voluntary contributions.

Do the self-employed earn points?

Not under the professional income tax, which contains no pension element. Voluntary contributions must be paid separately for the year to count.

Worked example

A salary of 90,000 a month

Input: 90,000 ₽ a month, one year, contribution base 2,759,000 ₽

Output: 3.914 points, adding 570.25 ₽ to the monthly pension

Note: Thirty points would take eight years at this salary. Earning the full ten points a year needs roughly 230,000 a month.

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Pension Points Calculator

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