How much pension will you get?

Points: a year’s income ÷ the FOLLOWING year’s basic insurable earnings (the official conversion rule). In “Detailed”, employee/self-employed periods use each year's actual BIE and ceiling from the official SIS insurable-earnings table (1980–2026); pound-era years (pre-2008) are converted at the official rate £1 = €1,7086 — enter those incomes in euros at the same rate. The points scheme started on 6.10.1980; older service needs “My record”. The frame rule: the government scales for future years are valued in today’s amounts and divide by today’s BIE (income tracking average wages ⇒ constant points). Anything YOU declare as a nominal amount or raise — Quick, “My record”’s income, and typed “Detailed” periods, including future years — divides by that year’s own BIE: official through 2026, projected after at the index you pick (“BIE after 2026”): Historical +2.02%/yr (the table's own 2008→2026 mean), Mild +0.81%/yr (its slowest decade, 2009→2019) or Frozen 0% (held at €11,480). Why: your raise is set by your employer, the BIE by average wages — and the two rarely agree; your own number over a frozen divisor would inflate future points.

2026 figures: BIE €220,76/week (€11.480/yr), contribution ceiling €68.904 (max 6 points/yr), full basic pension €529,82/month (= 60% × €220,76 × 4, exact cross-check), supplementary point worth ≈ €13,25/month. In Quick mode the income you enter is your FIRST working year's and is cast forward by the “annual raise” you pick: “No raise” — the default (a frozen nominal amount — points fall as the BIE rises) — or your own % / € raise once a year, in the unit of the salary you entered (yearly or monthly). Every year divides by its own BIE: past years the official ones, future years BIE projected at the index you pick under “BIE after 2026” (Historical +2.0%, Mild +0.8% or Frozen 0%).

Full contribution years assumed (52 weeks per working year) — except where you've given a month: there the first/last year counts its months pro-rata (see “Months & dates”). Credited periods (studies, army, unemployment), buy-backs and EU years abroad are not modelled.

The pension reform under discussion (vote ~late 2026, effect 2027) will change parameters — they'll be updated here once law.

Statutory pension only: no occupational/provident funds, no government occupational scheme, no foreign pensions.

Government scales: the real Α1–Α16 salary steps from the official open payroll data (data.gov.cy, EACH year's table 2004–2026 — 13-salary gross annual, incl. COLA; each year uses its own table verbatim, the latest that came into force within it — for 2023 the 1/6/2023 table — so every figure matches the published document; 2012–2016 have no published table and carry 2011's last one forward), with ready-made paths Clerical (A2–A5–A7), Graduates (A8–A10–A11) and Professional (A9–A11–A12): one increment per year, promotion continues at the next-higher step, and you finish at the top of the final scale. The reduced entry scale is applied automatically to the first 24 months of service for post-1/1/2012 appointments (month-exact when months are given; the first two calendar years otherwise). The tables publish it only from 1/7/2020 — for 2012–2019 appointments the figure is computed from the official data itself (the tables’ own “basic −10%” rule, or the first published value moved with the year’s pay level, backtested on the 2020–2026 tables to within ±€15/year) and is marked “computed”; promotion scales, which have no reduction at all, use the 1η βαθμίδα. Police, Army, Education and semi-government bodies have their own tables — in a “Government” period pick “Its own custom amounts” with your payslip figures. In “My record” with “Government”, the scale computes only the future years — the past is covered by your points; the appointment year sets today's rung, and the entry window bites only for the part of it falling from this year on.

Your inputs stay temporarily in your browser only (until the tab closes) — nothing is sent anywhere.

Optionally, the year fields also take a month (e.g. 9/2007) — for birth, for the start of work and for “Detailed” periods — plus an exact claim month. The month counts: in the age factor (±0.5% per month from 65), in each part-year's amount, weeks and points (annual amount × months/12 — the year-by-year table shows what was actually paid, summed when two periods share a year), and in the gaps between periods. A full date (e.g. 15/6/2016) is accepted but only its month is used — scales and factors are monthly, the day changes nothing. Any separator («-», «.» or «,») becomes «/» automatically as you type. Without a month, the whole year counts (1/1–31/12), as always. Annual raises and government increments are applied per calendar year; the 24-month reduced-entry window, though, is counted in actual service months — cumulatively across all Government periods — and the boundary year is paid as a blend (so many months reduced, the rest on the step).