Retirement AtlasA clearer view of retirement.

Austria · EUR · Pension guide

Pensions in Austria: plan your retirement income

Put your Austrian pension forecast and savings on the same footing. Compare after-tax income with spending, including the years before your pension starts.

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01

Start with your Pensionskonto

The official Pensionskonto relates its total credit to a gross monthly pension by dividing by 14. Early or later retirement adjustments still matter. Use a forecast for your intended start date, then work out the amount available after tax and deductions before entering it here.

02

Turn annual income into a spending budget

Austria pays pension supplements in April and October; a first supplement can be partial. Ordinary and special payments can have different tax treatment. For this calculator, add the expected net payments over a representative full year and divide by 12. Keep a separate cash buffer for months when actual receipts are lower.

03

Give savings a separate job

Use the accessible-savings field for money that can fund a gap. If an occupational pension already pays income entered below, exclude the capital supporting that same income. Future lump sums cannot be scheduled in this model; run a new scenario once those funds are available.

Using the calculator

  1. Obtain a personal pension forecast and check whether it shows accrued rights or projected income. Keep the start date and amount together.
  2. Convert each income stream to a net monthly average in today's purchasing power. Enter its start age and, for temporary income, its end age. Combine only payments with the same schedule.
  3. Enter accessible savings, monthly saving and retirement spending. Compare a later pension start, lower return and longer planning horizon; request an updated pension forecast when changing the retirement date.
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Official sources & pension overviews

Sources checked . Manual pension amounts. No eligibility, tax calculation or future benefit reassessment. This model assumes steady returns and is not a probability of success.