Retirement age calculator · Czechia
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 CZK 23,344 net a month at 67, in today’s money. Assumes you started work at 22; change it in the calculator below.
What each age pays ↓…
Retirement age in Czechia: 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
- Old-age pension: Basic amount CZK 4,900 plus a percentage amount: your average earnings are reduced (99% up to CZK 21,546, 26% up to CZK 195,868, nothing above) and each year of insurance adds 1.495% (pensions awarded in 2026; falling to 1.45% and 90% by 2035). Minimum pension CZK 9,800. Pensions rise each January.
- Age and years: You need 35 years of insurance. Pension age is 65 for people born up to 1965 and rises by one month per birth year to 67 for those born from 1989. An early pension is possible up to 3 years before with 40 years (reduced 1.5% of the base per 90 days); each 90 days worked after the age adds 1.5%.
Earliest and full pension, by year of birth
| Born in | Earliest pension | Full pension |
|---|---|---|
| 1965 | age 62, in 2027 (−32.7%) | age 65, in 2030 |
| 1970 | age 63, in 2033 (−25.1%) | age 66, in 2036 |
| 1975 | age 63, in 2038 (−30.3%) | age 66, in 2041 |
| 1980 | age 64, in 2044 (−24.6%) | age 67, in 2047 |
| 1985 | age 64, in 2049 (−27.1%) | age 67, in 2052 |
| 1991 | age 64, in 2055 (−32.0%) | age 67, in 2058 |
| 1995 | age 64, in 2059 (−32.0%) | age 67, in 2062 |
| 2000 | age 64, in 2064 (−32.0%) | age 67, in 2067 |
Assumes work from age 22 without gaps.
Example: born in 1991, what each age pays
| Claim at age | Year | Change | Net a month |
|---|---|---|---|
| 64 | 2055 | −30.6% | CZK 16,782 |
| 65 | 2056 | −20.7% | CZK 18,822 |
| 66 | 2057 | −11.2% | CZK 20,874 |
| 67 | 2058 | full pension | CZK 23,344 |
| 68 | 2059 | +8.8% | CZK 24,968 |
| 69 | 2060 | +17.6% | CZK 26,592 |
| 70 | 2061 | +26.4% | CZK 28,216 |
Career from age 22 with the calculator’s example pay; amounts in today’s money.
Frequently asked questions
When can I retire in Czechia?
With a full pension at 67 if you were born in 1991; the earliest is 64, with a 32.0% cut.
How much do I lose if I retire early?
32.0% at 64, for the rest of your life.
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 Czechia: 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?