The calculation of my pension amount
Calculating your pension yourself is complicated. At mypension.be, we make your life easier:
- you can simulate your future pension amount.
- you can plan your pension (you have a specific pension date in mind).
- mypension.be has been adapted to the most recent legislation.
- you can view all the details we use to calculate your pension.
Calculate your pension amount at mypension.be!Opens in a new window
We calculate your Belgian retirement pension on the basis of:
Your professional status
You worked as employee, civil servant or self-employed worker in Belgium? In this case, you are entitled to a retirement pension for this status, in proportion to:
- the duration of your career in said capacity;
and - your wages.
You worked in several statuses (mixed career)? In this case, you are entitled to several retirement pensions (mixed pension).
You also worked abroad? In most cases, you are also entitled to a pension abroad, but other rules may apply there.
Your wages, salary or professional income
The higher your wages, salary or professional income, the higher your pension. But there is an upper limit:
- for a pension as employee, we limit the yearly wages to 82 608,94 EUR. If you earn more than this, you will not receive a higher pension.
- for the self-employed, the professional income is also limited (the income from which social contributions were deducted).
Your career
You already have a career as employee or civil servant after having worked one day (or one trimester in the case of the self-employed). In the past, the number of career years that counted towards the pension was limited to 45. Henceforth, you may work as long as you like, on the condition that your employer approves. Please note: after 45 career years of 14 040 days, certain periods of unemployment count less towards your pension amount.
We withhold social and fiscal deductions from the gross amount of your pension. The deductions depend on your pension amount and family circumstances. If you can't manage with your pension, you can count on a social safety net from the age of 66: the Guaranteed Income for Elderly Persons or GIEP.
More information on the calculation of:
- the employee pension;
- the civil service pension;
- the self-employed worker pensionOpens in a new window;
- the GIEP (Guaranteed Income for Elderly Persons).
Next to your statutory pension (first pension pillar), you may also be entitled to:
- a supplementary pension or group insurance (second pension pillar):
You are an employee or a contractual civil servant? In this case, your employer may be building up a supplementary pension for you, which you can withdraw when you retire. Self-employed workers can build up a supplementary pension themselves. - an individual pension plan or contributions to a pension fund (third pension pillar):
You can build up a personal additional pension by annually depositing a certain amount of money with a financial institution.