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CGA Civil-Service Pension Calculator

Do you work, or did you work, in the Portuguese public sector and pay into the Caixa Geral de Aposentações (CGA)? The CGA pension follows its own rules: those enrolled by 31 August 1993 add two parts (P1 for service until 2005 and P2 for service from 2006), while those enrolled from September 1993 to the end of 2005 follow the general Social Security rules. This calculator applies the official formula of Law 60/2005 to your case and shows each part, with no black box.

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.

Estimated monthly pension
€1,737.72
P1 (service until 2005, civil-service statute) + P2 (service since 2006, general-regime rules), Law 60/2005
Annual pension (14 payments)
€24,328.03
The pension is paid 12 times plus the holiday and Christmas allowances.
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 rate2.24%
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.

Who still retires through the CGA

The CGA closed to new members at the end of 2005: anyone who joined the public sector from 1 January 2006 pays into Social Security and gets the general-regime pension. For those who stayed in the CGA, the enrollment date decides the formula: enrolled by 31 August 1993, the pension adds two parts (P1 + P2); enrolled from 1 September 1993 to 31 December 2005, the pension is computed entirely under the general-regime rules, though paid by the CGA. Pick your situation in the calculator.

Enrolled by 31-08-1993: the P1 part (service until 2005)

The first part covers service rendered up to 31 December 2005 and comes from the old civil-service statute: P1 = R × T1 ÷ 40, where R is 80% of the relevant gross monthly pay earned by that date (as a rule, the pay of the post held in 2005, revalued) and T1 is the years of service the CGA counts up to 2005, capped at 40. R itself is capped at 12 times the IAS: €6,445.56 in 2026. With 40 years of service by 2005, P1 equals the full base: 80% of the pay.

Enrolled by 31-08-1993: the P2 part (service since 2006)

The second part covers service from 1 January 2006 and uses the general Social Security rules: P2 = reference pay × annual rate × N. The reference pay is the monthly average of earnings since 2006 (officially, the revalued total divided by 14 times the number of years). The annual rate runs from 2% to 2.3%, in brackets of the pay in multiples of the IAS. And N only counts the years strictly needed to complete a 40-year career together with P1: someone with 30 years by 2005 accrues at most 10 years in P2, even if they work longer.

Enrolled 01-09-1993 to 31-12-2005: general-regime rules

Those who enrolled in the CGA between September 1993 and the end of 2005 have the pension computed entirely under the general-regime rules: pension = reference pay (the career-average monthly earnings) × global formation rate. The rate is 2% per year up to a 20-year career and 2% to 2.3% in brackets from 21 years, with a global maximum of 92%. It is exactly the same math as our general-regime pension estimator; here it appears in a dedicated mode for CGA members.

Normal age and guarantee period in 2026

Ordinary retirement requires two conditions: reaching the normal access age, which in 2026 is 66 years and 9 months (the same as the general regime, set every year from life expectancy), and at least 15 years of service (the guarantee period). A long career can lower your personal age: 4 months less for each year of service beyond 40. The calculator checks the guarantee period; for your exact age, use the retirement-age calculator.

Retiring early or late: penalties and bonuses stay out

This calculator estimates the full pension at the normal age. Retiring earlier brings two cuts we do not compute here: a penalty of 0.5% for each month of anticipation and, for those without vested conditions by 2007, a sustainability factor tied to life expectancy (a 17.63% cut in 2026); very long careers escape the penalties. Working past the normal age with 15 or more years of service earns a bonus of 0.33% to 1% per month, capped at 90% of the final pay. The legal minimum-pension floors are not applied either.

Today's values, no official revaluation

In the official formula, the pay until 2005 and the earnings since 2006 are revalued by administratively published coefficients. This calculator does not reproduce those coefficients: the amounts you enter count at today’s prices, which is the right approximation if you use your current pay or a recent average. We also do not compute the legal variant that, at the 12 × IAS cap, uses the average since 1993 when more favourable: the CGA runs that check with the full career record.

Worked example

Imagine someone who enrolled in the CGA in 1985, had 25 years of service by the end of 2005 on a relevant pay of €2,000, and worked 15 more years from 2006 on an average pay of €2,200. P1: 80% of €2,000 is €1,600, below the 12 × IAS cap; 1,600 × 25 ÷ 40 = €1,000.00. P2: the brackets give an average annual rate of about 2.24% on €2,200, i.e. €49.18 per year of service; with 15 years missing to complete 40, P2 = 49.18 × 15 = €737.72. Estimated pension: 1,000.00 + 737.72 = €1,737.72 per month, paid 14 times a year (€24,328.03 annually).

Frequently asked questions

How is the CGA civil-service pension calculated?
It depends on the enrollment date. Enrolled by 31 August 1993: pension = P1 + P2, where P1 = 80% of the relevant pay until 2005 (capped at 12 × IAS) × years until 2005 ÷ 40, and P2 applies the general-regime rules (2% to 2.3% per year) to the years since 2006 still needed to complete 40. Enrolled from September 1993 to the end of 2005: the pension follows the general-regime formula entirely.
Who pays into the CGA and who pays into Social Security?
The CGA closed to new members at the end of 2005. Anyone who joined the public sector from 1 January 2006 pays into Social Security and follows the general regime. Those already enrolled in the CGA stayed, and the pension follows the rules of Law 60/2005 according to the enrollment date.
At what age can I retire through the CGA in 2026?
The normal access age in 2026 is 66 years and 9 months, the same as the general regime, with at least 15 years of service. More than 40 years of career can lower your personal age: 4 months less per year beyond 40, never below 60. Early retirement is possible from age 60 with 40 years of service, but with penalties.
What are the P1 and P2 parts?
They are the two halves of the pension for those enrolled in the CGA by 31 August 1993. P1 pays for service until 31 December 2005 under the old civil-service formula (80% of the relevant pay, proportional to the years over 40). P2 pays for service from 2006 under the general Social Security rules, counting only the years needed to complete the 40-year career.
What is the 12 × IAS cap on the CGA pension?
In the P1 part, the base (the 80% of the relevant pay until 2005) is capped at 12 times the Social Support Index: 12 × €537.13 = €6,445.56 in 2026. The cap only touches relevant pay above roughly €8,057. The law allows the average since 1993 instead when it is higher; the CGA runs that check with the full career record.
How much do I lose by retiring before the normal age?
As a rule, 0.5% for each month of anticipation against the normal or personal age and, for those without vested conditions by 2007, the sustainability factor on top (the pension is multiplied by 0.8237 in 2026, a 17.63% cut). Very long careers (for example, age 60 with 48 years of service, where the personal age has already dropped to 60) escape the penalties. The cuts are permanent: they do not disappear once you reach the normal age.
Is the CGA pension paid 14 times a year?
Yes. Like public-sector salaries, the pension is paid 12 times plus the holiday and Christmas allowances, i.e. 14 payments a year. The calculator shows the monthly amount and the annual total across the 14 payments.
I paid into both the CGA and Social Security. What now?
You can request a unified pension: the two regimes add up the contribution periods and each pays its proportional share under its own calculation rules. The request is filed with the regime of your last enrollment. This calculator estimates the CGA share only; for the general-regime share, use the pension estimator.

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Author: Thorben Rasmus Idel · Reviewed by: Nahar Geva · Last reviewed: 2026-07-13