To calculate the amount of the pension and view the available data, enter the pension calculator. The calculator is pre-populated with the data we have about you.
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There is certainly data accumulated since January 1, 1999. Since then, the pension accumulation period is calculated on the basis of the social tax received from the salary, and the data reaches us automatically.
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The calculator may not contain data on years of pensionable service until the end of 1998. It is calculated on the basis of entries in the Employment record book and, if necessary, other documents. If this box is not filled in, even though you have worked at the time, bring your Employment record book to the social security office.
The pension calculation consists of four parts:
is the basis that is the same for all different pension types. Starting from April 1st, 2026, the base part is 399,2400 euros.
depends on the time worked, studied, and served in the army until December 31st, 1998. These years are taken into consideration based on the employment records book and other documents. To find the qualification period part, the pension qualifying period collected until December 31st, 1998, shall be multiplied by the yearly rate. The yearly rate is the cost of one pension qualifying year or the insurance component. Starting from April 1st, 2026, the yearly rate is 10,477 euros.
depends on the amount of the insurance components calculated from 1 January 1999 onwards and calculated on the basis of the social tax paid on your behalf. To get the insurance part, we multiply the amount of the components by the annual price.
The insurance component is the ratio of the social tax calculated or paid on your behalf to the average annual social contributions in the Republic of Estonia. Your insurance part is the sum of all your insurance components from 01.01.1999 until today. You can check the amount of your insurance components on your registration certificate.
The following example shows how the insurance component was calculated in 2015, when the average salary was €11 628.60 per year. If your total salary in 2015 was €11 628.60, regardless of the number of months worked, your insurance component is 1.
Example 1. If you worked in 2015 and received a salary of € 969.05 each month, i.e. 12 x € 969.05 = € 11 628.60, your insurance component for 2015 is 1.
If you worked for 3 months in 2015 and received a salary of € 3876.20 for each of the 3 months, i.e. 3 x 3876.20 = € 11 628.60, your insurance component for 2015 is also 1.
The following example shows how the amount of income affects the amount of the insurance component for 2015. If you have a higher than average income, the value of your insurance component for 2015 will increase.
Example 2. If you have worked in 2015 and received a salary of € 1520 each month, i.e. 12 x 1520 = € 18 240 for the whole year, your insurance component for 2015 is 1.569. If you have worked for 4 months in 2015 and received a salary of € 4560 in each of the 4 months, i.e. 4 x 4560 = € 18240 for the whole year, your insurance component for 2015 is also 1.569.
The following example shows how the amount of income affects the amount of the insurance component for 2015. If you have a lower than average income, your insurance component for 2015 will be less than 1.
Example 3: If you have worked in 2015 and received a salary of €870 each month, your insurance component for 2015 is 0.898.
Summary
An annual insurance component is equal to 1 if the annual amount of social tax paid on your earnings is equal to the average annual amount of social tax paid on national salary.
The insurance component is greater than 1 if the social tax paid on your annual income is greater than the national average social tax paid on wages in that year.
Example 4. Anu worked as a director of a large institution from 1999 to 2015. Her employer has paid social tax for 17 years. Since Anu's salary was higher than the Estonian average, the insurance component for 17 years is 32,456.
The insurance component is less than 1 if the amount of social tax paid is less than the amount of social tax paid on the average salary per year.
Example 5. Toomas worked as a junior salesman in an electronics shop from 1999 to 2015. His employer has paid social tax for 17 years. Toomas has 17 years of pension insurance. As Toomas' salary was lower than the average salary in Estonia, his insurance component for 17 years is 14,567.
Starting from the beginning of 2021, a fourth part – joint part – has begin accumulating.
The joint part consists of:
- an insurance component of 50%. The size of the insurance component is calculated based on the received social tax. It is calculated in the same manner as the currently accumulated insurance component. For example, the size of the insurance component of a person earning average wages in Estonia is 1.0.
- a solidary component of 50%. The solidary component is 1.0, if the social tax has been paid for the person on at least 12 times the minimum wages during the year. If the social tax paid for the person is less than the minimum annual wages, the solidary component shall be calculated proportionally.
Calculation of joint part: (solidary component + insurance component) ÷ 2 = joint part of pension
These parts are added to find the pension amount.
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Last updated: 06.04.2026
