Retirement Calculators
Simple, free tools to plan your retirement in Portugal, starting with the age at which you can retire.
Retirement Age Calculator 2026: Portugal
In 2026, the normal pension age in Portugal is 66 years and 9 months. Enter your year and month of birth and your years of contributory career to see the month you reach that age, your personal retirement age, and whether you can retire early from 60 under the flexibility regime.
Open calculator →Pension Estimator 2026: Portugal
How much will your pension be? In Portugal the old-age pension is, in essence, your career-average salary (the reference remuneration) multiplied by the global formation rate, which grows with your years of contributions. Enter your career-average monthly salary and your years of contributory career for an educational estimate of the pension.
Open calculator →Early Retirement Penalty Calculator, Portugal 2026
Retiring early has a cost: a permanently lower pension. The penalty has two parts: the sustainability factor (a 17.63% cut in 2026, which does not apply in the flexibility regime) and a 0.5% reduction for each month you bring retirement forward relative to your personal retirement age. Enter the pension you would receive at your personal age, your years of career and the months you retire early to see the reduced pension.
Open calculator →Old-Age Pension Calculator 2026, Portugal
To qualify for the old-age pension in Portugal you must meet the guarantee period: 15 calendar years with recorded earnings. Enter your years of contributions to see whether you already meet that minimum, how many years are missing and, if not, what the social old-age pension is.
Open calculator →PPR Tax-Benefit Calculator (Portugal)
Investing in a PPR (Plano Poupança-Reforma, Portugal’s retirement-savings plan) earns an income-tax benefit: you can deduct 20% of what you pay in during the year from your IRS, up to a ceiling that depends on your age. Enter how much you plan to invest and your age to see how much you can recover on your IRS, and the point beyond which there is no further tax gain.
Open calculator →Survivor Pension Calculator (Portugal)
The survivor pension (pensão de sobrevivência) is a percentage of the pension the deceased family member received (or would have been entitled to). Enter that pension, whether a spouse survives and how many children are entitled, and see an estimate of the monthly and yearly amount the family receives.
Open calculator →Pension Replacement Rate Calculator
What percentage of your salary will you receive when you retire? The replacement rate is your pension divided by your last salary. Enter your monthly salary and the pension you expect, and the calculator shows how much of your income the pension replaces, the monthly drop, and how much is missing to reach a target (for example 70%).
Open calculator →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.
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About retirement calculators
Retirement in Portugal follows clear rules: the normal pension age is set every year from life expectancy, and a long contributory career can lower your personal retirement age or let you retire early from age 60. These calculators help you understand when you can retire and what changes with early access. They are educational estimates. They use the official values for the year and do not replace the Social Security simulation. Each calculator shows the rules it uses, cites its sources and links to the article that goes deeper.
Learn
- What is the retirement age in Portugal? →
- How Portugal's pension is calculated →
- Early retirement: the penalty →
- Old-age pension: who qualifies? →
- PPR: the IRS tax benefit →
- How the survivor pension is calculated →
- What is the replacement rate? →
- How the CGA civil-service pension is calculated →
The calculators provide educational estimates and do not constitute financial advice.