Pension Points Calculator

Written byOleh Soloninupdated 5 October 2026

Gross monthly salary

Years at this salary

Points already earned

Shown in the individual account statement of the Russian Social Fund.

Advanced options

Contribution ceiling

Price of one point

Result

Annual salary1,080,000.00 ₽
Points per year3.625
Points in total3.63
Monthly pension added568.31 ₽
Of the annual maximum36.3% of the annual maximum
Years to 30 points9
Points including those already earned3.63
Pension by the formula, fixed payment included, per month10,153.00 ₽

3.63 points in all: an insurance pension needs 30 points and 15 years of service, so the amount is indicative.

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. With this calculator's 2026 contribution ceiling held constant, 90,000 roubles a month reaches thirty points in nine years; the minimum wage of 27,093 takes twenty-eight.

How to use

Enter the monthly salary before tax and how many years you expect to earn at that level.
Enter the points already accumulated, if you know the figure from your pension account.
Read the points earned per year, the running total and what that total is worth as a monthly pension today.

How salary turns into points

Points are the ratio between the contributions paid on your salary and the contributions that would be paid on the annual ceiling, multiplied by ten. That makes the scale linear up to the ceiling and flat above it: ten points a year is the maximum, and no salary earns more.

A salary of 50,000 a month earns 2.014 points a year, 90,000 earns 3.625, and 250,000 hits the cap at 10. The pension value of a single year is modest — 568 ₽ a month for the 90,000 salary — which is why the state pension depends on decades rather than on a good year.

One year of work at each salary, at the current point price. Worked out with this calculator.
Monthly salary	Annual salary	Points a year	Monthly pension earned
50,000 ₽	600,000 ₽	2.014	315.73 ₽
90,000 ₽	1,080,000 ₽	3.625	568.31 ₽
250,000 ₽	3,000,000 ₽	10.000	1,567.60 ₽

What the points do not tell you

The figures use today's point price, which is indexed annually. A pension claimed in twenty years will use the price in force then, so treat these amounts as today's money rather than as a forecast.

Points alone do not open a pension: a minimum number of years of service is required alongside a minimum number of points, and both must be met. Informal pay generates no contributions and therefore no points, whatever the salary looked like.

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.
The pension from the points is shown on its own line, and the line marked 'fixed payment included' already adds the flat-rate payment — do not add it again.

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 conscript service or care of a disabled person, 1.8 for a first child, 3.6 for a second and 5.4 for a third and each further child, up to eighteen months per child.

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.

How many points does a salary of 90,000 a month earn?

3.625 points a year, worth about 568 ₽ of monthly pension at today's point price. A salary of 250,000 reaches the annual ceiling of 10 points, and nothing above it earns more.

Do these points exist outside Russia?

The mechanism is Russian. Several other systems use notional points or units, but the ceiling, the price and the qualifying conditions here are set by Russian law and do not transfer.

Worked example

A salary of 90,000 a month

Input: 90,000 ₽ a month, one year, contribution base 2,979,000 ₽

Output: 3.625 points, adding 568.31 ₽ to the monthly pension

Note: Thirty points would take nine years at this salary. Earning the full ten points a year needs at least 248,250 ₽ a month in 2026, and the insurance pension is all points × 156.76 ₽ plus a fixed 9,584.69 ₽.

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