Enter the pay of the post you held at the end of 2005 (or the average of the last 3 years to that date), the years of service the CGA counts until 2005 and since 2006, and the average monthly pay since 2006. Amounts count at today's prices.
| P1 base: 80% of the pay until 2005 | €1,600.00 |
| Years of service until 2005 counted (T1) | 25 years |
| P1 part (base × T1 ÷ 40) | €1,000.00 |
| Average pay since 2006 | €2,200.00 |
| Years since 2006 counted (N) | 15 years |
| P2 annual formation rate | 2.24% |
| P2 part (pay × rate × N) | €737.72 |
| Estimated monthly pension | €1,737.72 |
| Annual pension (14 payments) | €24,328.03 |
Rule applied: pension = P1 + P2 (Law 60/2005, art. 5). P1 = 80% of the relevant pay until 2005 (capped at 12 × IAS) × years until 2005 ÷ 40. P2 applies the general-regime annual rate to the service since 2006 (2% to 2.3% in brackets of the pay in multiples of the IAS, without the 30% floor), counting only the years missing to complete the 40-year career.
Estimate of the full ordinary pension at the normal age (66 years and 9 months in 2026, with 15 years of service). Left out, and explained in the article: the early-retirement penalties (0.5% per month plus the sustainability factor), the bonus for working past the age, the minimum-pension floors, the official revaluation of past earnings and the groups with rights vested in 2005/2007.
Educational estimate, not financial advice. The official calculation is done by the CGA with the full career record and the revaluation coefficients; the real amount may differ. Always confirm on CGA Directa.