Italian pension simulator
How much will INPS give you? When can you retire? How much do you need to stop early? The contributivo system, explained with numbers.
If you started working in Italy after January 1, 1996, your INPS pension is calculated entirely under the contributivo system. No more averages of your last salaries — just how much you contributed, revalued by GDP, multiplied by a coefficient that depends on your retirement age.
This simulator runs that exact calculation. Enter your details, slide the age, and watch what happens to your pension, the gap, and the capital you'd need to stop early.
Your contribution pot
Your pension options
42 anni e 10 mesi di contributi, qualsiasi età
Net monthly: €2,272 (Gross monthly: €3,135)
64 anni + 20 anni contributi + pensione ≥ 3× assegno sociale
Net monthly: €2,034 (Gross monthly: €2,733)
67 anni + 20 anni contributi + pensione ≥ 1,5× assegno sociale
Net monthly: €2,407 (Gross monthly: €3,361)
71 anni + 5 anni di contributi
Net monthly: €2,874 (Gross monthly: €4,149)
The pension gap
How much do you need to stop?
Your pension covers your desired income. No additional capital needed.
Comparison: what if you stopped at...
| Stop at | Years | Pension from | Net/mo | Net gap | Capital |
|---|---|---|---|---|---|
| 40 | 17 | 71 | €1,373 | €127 | €352,267 |
| 45 | 22 | 67 | €1,415 | €85 | €286,751 |
| 50 | 27 | 64 | €1,475 | €25 | €201,805 |
| 55 | 32 | 64 | €1,692 | €0 | €136,938 |
| 60 | 37 | 64 | €1,890 | €0 | €66,115 |
| 64 | 41 | 64 | €2,034 | €0 | €0 |
| 67 | 44 | 67 | €2,407 | €0 | €0 |
Estimate based on the current Italian contributivo system (post-1995). Transformation coefficients from 2024-2025. Does not include retributivo/misto, Quota 103, Opzione Donna, or other temporary schemes. For official projections check the INPS website.