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Luxembourg Pension Calculator

Estimate your Luxembourg pension from your career history, using the official CNAP formula. Nothing is sent to a server: everything stays in your browser.

The tool applies the CNAP formula (flat-rate and proportional increases, minimum and maximum bounds) year by year. Handy for testing the effect of a salary change, a career break, or leaving earlier or later.

Pension Calculation Settings

The year you plan to start receiving your pension
Your age when you plan to retire

The legal reference amount used in pension calculations (updated annually)
The current index value N (e.g., 968.04 for 2026)
Factor used to adjust historical salaries to current values
Obligatory insurance months already credited before the first year in the table below
Complementary insurance months already credited before the first year in the table below
Sum of prior revenus cotisables in base 1984 (n.i.100 format)
Your Salary History
YearAnnual salaryMonths workedTotal acquired (cumulative monthly)
97.18
Enter your gross salaries as they are, in today's euros: the conversion to the official calculation base (1984) is done automatically for each year.All monetary amounts shown in this table are in EUR.
Baby years (child-raising periods)
The baby year is an assimilated period granted for raising a child (24 months per child, 48 in certain cases), to be split between parents. It counts toward the insurance stage but does not lower the retirement age condition.The fictitious cotisable income is always credited in full, whether or not you also worked during this period: only the number of insurance months (the "stage") is not counted twice when those months are already covered by actual work in the same year.All monetary amounts shown in this table are in EUR.

Results

Simulation Result (Monthly)
Estimated monthly pension
97.18 EUR
Gross amount per month, before tax and pension contributions
Minimum pensionMaximum pension
Breakdown
97.18 EUR
Before the legal minimum / maximum is applied
Forfaitaire pension: 16.37 EUR
Proportionnelle pension: 80.80 EUR
Insurance years counted1.00 / 40 (12.00 months)

Frequently asked questions about Luxembourg pension

The legal pension combines two components: a flat-rate increase, based on the number of insurance years (capped at 40), and a proportional increase, based on cotisable income over the whole career. This simulator applies both formulas year by year, as defined by CNAP and the Social Security Code (book III).

Yes. From 20 insurance years, a guaranteed legal minimum applies (90% of the reference amount, prorated over 40 years). A legal maximum also caps the pension. This simulator automatically applies both bounds to your estimate.

The baby year is an assimilated period granted for raising a child (24 months per child, 48 in certain cases), to be split between parents. It counts toward the insurance stage, except for months already covered by actual work the same year; the associated fictitious cotisable income is always credited in full.

The legal reference age is 65, but early or deferred retirement is possible depending on your number of insurance years. This simulator lets you test different retirement ages to see the effect on your pension amount.

No. LuxCalc is an independent, unofficial tool that applies the formulas published by CNAP and the Social Security Code as an estimate. Only your official CNAP career statement is authoritative; check cnap.public.lu for official sources.

No. All calculations run directly in your browser; no salary or career data entered in this tool is sent to any external server.