Türkiye · TRY · Pension guide

Türkiye pension and retirement planning guide

Use the SGK estimate appropriate to your insurance category and compare it with a budget in Turkish lira. Explore the effect of inflation on accessible savings.

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What can this calculator estimate?

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

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

Choose the right official estimate

SGK's citizen portal separates pension services by insured category, including 4A and 4B. Use the service appropriate to your history and confirm the payment date. This calculator does not infer entitlement from your current age or apply contribution-day rules.

Keep private pension choices explicit

A private retirement product may be taken through different payment arrangements. Use an actual recurring-payment estimate if entering income. Capital allocated to those payments must not also fund the accessible-savings projection.

Understand the inflation assumption

The model converts nominal returns into real purchasing power and assumes entered pension income keeps that purchasing power. It does not forecast Turkish inflation or SGK adjustments. If pension increases lag prices, run a lower real-income scenario and seek a more detailed variable-income model.

Using the calculator

Get the personal SGK estimate for your insurance category.
Convert all income and expenses to today's net TRY amounts.
Try a lower real income and a less favourable return-to-inflation relationship.
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.