Luxembourg State Pension by career period

You
Career periods?

Each period of your career: work or voluntary contributions in Luxembourg, or time abroad. Up to 20 periods.

Pick each period's type in the first column: work, voluntary contributions, or abroad. Self-employed years count as work: enter the income your contributions are based on. Dividends do not count. Credited periods such as studies or baby years are not shown.

Months run from the first month to the last month, both included. Leave "To" empty for work that runs until 65.

A gap between periods is simply not counted. Periods may overlap: those months count once and the pay adds up, as with two part-time jobs.

Type?

Work: a job in Luxembourg, employee or self-employed. Enter 0 for a time you stopped working: it shows as a break and counts for nothing.

Voluntary: voluntary pension contributions in Luxembourg (continued or optional insurance, or periods bought back). Enter the monthly base: you pay 17% of it. The base starts at (or for up to 5 years). It can go up to your personal cap: the average of your 5 best years of pay, and never less than .

Abroad EU: insurance in the EU, EEA, Switzerland or a country with a social security agreement with Luxembourg (list on secu.lu). It counts toward the 10-year minimum only: that country pays its own pension.

Abroad other: any other country. Not counted in Luxembourg.

 From To Gross pay / month?

Gross monthly pay for the period, in today's euros: the yearly gross pay divided by 12, 13th month and bonuses included. For a voluntary period, the base your contributions are paid on.

Past and future periods are treated alike, at today's pay level, so raise an old salary to today's level. The pension system revalues old pay roughly like this: pay from 1995 ×2.5, from 2000 ×2.2, from 2010 ×1.6, from 2015 ×1.4, from 2020 ×1.3.

Pay above a month is not counted. That is the contribution ceiling.

 Counted
This is an example career. Press Clear to enter your own.
Gross pension a month?

The Luxembourg old-age pension at 65, before tax and social contributions.

In today's euros: at today's (2026) pay and price level, so it compares directly with a salary today. The percentages are the ones the law sets for the year you turn 65.

Paid 12 times a year. The legal maximum is a month.

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Years insured in Luxembourg?

Months of work and voluntary contributions in Luxembourg, up to the month before you turn 65. Years abroad are not in this figure.

The flat part of the pension depends only on these years: 1/40 for each year, full at 40 years. For the flat part, a started year counts in full.

The two thresholds count full months: no pension under 10 years (120 months), and the minimum pension from 20 complete years (240 months).

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Total career pay counted?

All the monthly pay of your career added up, in today's euros, after the contribution ceiling. A total of pay, not money saved.

The earnings part of the pension is roughly 1.5% to 2% of this total a year, paid in 12 monthly parts. The base percentage is set by law for the year you turn 65. It rises a little when your age plus your years insured passes a legal threshold. Every year counts, including years beyond 40.

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Your career: gross pay a month?

Each bar is your monthly pay over time, in today's euros. Empty stretches are months with no work counted.

The gold line marks the month you turn 65. Hover a bar to see the period.

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