Luxembourg Pension Calculator 2026

That puts Luxembourg far above the OECD average of 63.2 %. At twice the average wage, the pension still replaces 79.4 % of your net salary in Luxembourg, against 58.9 % in France, 42.5 % in Belgium and 38.8 % in Germany.

In Luxembourg three parties pay in the same amount. You, your employer and the state each contribute 8.5 % of your gross salary since 1 January 2026.

The Luxembourg pension has two parts. The flat-rate increases depend only on your years of insurance. After 40 years they come to about €679 a month in 2026, after 20 years half of that.

The proportional increases are a percentage of everything you have earned. For a pension starting in 2026 it is 1.763 % of your salaries up to €166,280 a year. When your age and your years of compulsory insurance add up to more than 95, the rate rises. Each year above adds 0.016 percentage points, up to 2.05 %.

Gross monthly pension for a start in 2026 at 65, with the same salary in every year. After 40 years you receive at least €2,436 and at most €11,278. On top of that comes a year-end allowance of up to €1,041 every December.

• Pension at 65. You need 10 years of insurance. Years in Germany, France, Belgium and any other EU country count towards them.
• At least one year in Luxembourg. Below one year, Luxembourg pays no pension of its own. Those months then count towards the pension of the other countries.
• Pension from 57. With 40 years of compulsory contributions you receive the pension from 57. Years of work in other EU countries count.
• Pension from 60. With 40 years of insurance including studies and childcare, you can retire from 60. Since July 2026 this takes one month more, from 2030 eight months more.
• No reduction. Luxembourg pays an early pension in full, for all the years you have by then.

If you do not reach the 10 years, you can claim back your contributions from 65, your share and your employer’s. Keep in mind that the same years also count towards your pension in other EU countries.

You keep every year. Under EU Regulation 883/2004, each country where you worked for at least one year pays you a pension of its own. It starts when you reach that country’s pension age.

Luxembourg calculates your pension twice. Once with your Luxembourg years only. Once with all your years in the EU, each at your Luxembourg salary. From that amount Luxembourg pays the share of its years. You receive the higher result.

You apply only once, in the country where you live, if you have worked there. If your last job was in Luxembourg, you can also apply there. Apply at least six months before your pension starts. The pension fund then collects the decisions of every other country.

Each country pays from its own pension age. With years in two countries, your pension therefore often starts in two steps, for example at 65 from Luxembourg and at 67 from Germany. The calculator shows you both steps.

Germany uses pension points. If you earn exactly the average in a year, €51,944 in 2026, you receive one point. Since July 2026 each point is worth €42.52 of monthly pension. Your salary counts up to €101,400 a year. After 45 years on average earnings this comes to €1,913 a month.

France pays a basic pension and the Agirc-Arrco supplementary pension. At the full rate the basic pension is 50 % of your average salary up to €48,060 a year, in proportion to your quarters. For the supplementary pension you collect points, each worth €1.4587 of yearly pension in 2026.

Belgium pays one 45th of 60 % of your salary up to €82,609 for every year. If you live with a partner without an income of their own, it is 75 %.

Each country taxes its own state pension. You pay tax on the Luxembourg pension in Luxembourg, also when you live in Germany, France or Belgium. Your country of residence exempts it and only counts it for the tax rate on your other income. The tax treaties with all three countries say so.

Your pension carries contributions to health and long-term care insurance. When Luxembourg covers you, they are 2.8 % and 1.4 %. Which country covers you depends on where you live and which countries pay you a pension.

We place professionals from Germany, France and Belgium with companies in Luxembourg. We know the salaries and advise you in person, whether you commute or move.