Russia · RUB · Pension guide

Russia pension and retirement planning guide

Build a ruble spending plan using personal SFR and non-state pension estimates. Keep payment timing and the purchasing power of savings visible.

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What can this calculator estimate?

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

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

Use your personal insurance record

SFR administers insurance and state pensions and provides services for checking pension rights. Obtain a personal estimate for the relevant pension type. This tool does not apply pension coefficients, service requirements, transition ages or rules for special occupations.

Separate non-state pension payments

Use a provider statement to establish whether a non-state pension is payable for life or for a limited period. A payment with an end date can leave a larger spending gap later. Do not include the same contract's reserves as accessible savings as well.

Keep ruble values consistent

Enter all amounts in today's rubles. The model does not convert foreign-currency assets or model exchange-rate movements. Future real payments may differ if indexation does not match your assumed inflation; examine conservative income assumptions separately.

Using the calculator

Check your individual pension rights through SFR's official services.
Obtain the net payment and term of any non-state pension.
Use a common ruble basis and test lower purchasing power without assuming automatic indexation.
Use today's purchasing power for every amount. Compare more than one return, spending target and planning horizon.

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Official sources & pension overviews

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.