Italy · EUR · Pension guide

Italy pension and retirement planning guide

Bring an INPS forecast and any supplementary pension into a monthly retirement budget. Explore accessible savings and the income gap in today's euros.

Open the calculator

What can this calculator estimate?

It compares spending, manually entered pensions and accessible savings in EUR, in today's purchasing power.

Use your own after-tax pension estimate. Read the full example

Check the contribution record behind the forecast

INPS's La mia pensione futura provides a personal simulation and lets users check contributions recorded with INPS. Correct missing periods through the official process. An estimate based on an incomplete history is not repaired by entering it into a second calculator.

Use the full annual net payment

Confirm how any additional instalments appear in your pension statement, then divide the annual net total by twelve. Do not multiply an already annualized figure again. This model smooths payments over the year and cannot reproduce the exact deposit calendar.

Separate TFR and pension income

A future severance or retirement lump sum should not be available in the model before it is paid. Start a separate scenario at that date if you wish to include it. The tool does not calculate TFR, pension eligibility, tax or supplementary fund conversion rates.

Using the calculator

Obtain an INPS or relevant scheme forecast for your chosen retirement date.
Convert the annual net total to a monthly equivalent without duplicating instalments.
Keep supplementary annuity income separate from spendable capital.
Use today's purchasing power for every amount. Compare more than one return, spending target and planning horizon.

Open the calculator

Official sources & pension overviews

INPS · La mia pensione futura ↗

Sources checked October 4, 2026. Manual pension amounts. No eligibility, tax calculation or future benefit reassessment. This model assumes steady returns and is not a probability of success.