Retirement age calculator · Brazil
The earliest age you can claim a pension, the age for a full pension, and what each one pays. Change your age in the calculator below.
About R$3,805 net a month at 65, in today’s money. Assumes you started work at 22; change it in the calculator below.
What each age pays ↓…
Retirement age in Brazil: when you can claim your pension
When you can retire depends on your year of birth and how many years you have been insured. The calculator above shows the earliest age and the age for a full pension, and what each age would pay.
The rules in brief
- INSS retirement by age: Since the 2019 reform: age 65 for men and 62 for women, with at least 15 years of contributions (20 for men who started after November 2019). The pension is 60% of the average of all salaries since July 1994 plus 2 points per year above 20 years (men) or 15 (women), never below the minimum wage (R$1,621) or above the ceiling (R$8,475.55).
Earliest and full pension, by year of birth
| Born in | Earliest pension | Full pension |
|---|---|---|
| 1965 | – | age 65, in 2030 |
| 1970 | – | age 65, in 2035 |
| 1975 | – | age 65, in 2040 |
| 1980 | – | age 65, in 2045 |
| 1985 | – | age 65, in 2050 |
| 1991 | – | age 65, in 2056 |
| 1995 | – | age 65, in 2060 |
| 2000 | – | age 65, in 2065 |
Assumes work from age 22 without gaps.
Example: born in 1991, what each age pays
| Claim at age | Year | Change | Net a month |
|---|---|---|---|
| 65 | 2056 | full pension | R$3,805 |
| 66 | 2057 | full pension | R$3,805 |
| 67 | 2058 | full pension | R$3,805 |
| 68 | 2059 | full pension | R$3,805 |
| 69 | 2060 | full pension | R$3,805 |
| 70 | 2061 | full pension | R$3,805 |
Career from age 22 with the calculator’s example pay; amounts in today’s money.
Frequently asked questions
When can I retire in Brazil?
At 65 if you were born in 1991.
Rules and official sources: see “Rules applied (2026)” in the calculator. Last checked: October 2026. Estimates for information, not financial advice.
Other questions about pay in Brazil: What is my hourly wage? · What is the minimum wage after tax? · What do I take home part-time? · How much unemployment benefit would I get? · How much notice must my employer give? · What is my money worth after inflation?