Retirement age calculator · Luxembourg
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 €4,165 net a month at 62, in today’s money. Assumes you started work at 22; change it in the calculator below.
What each age pays ↓…
Retirement age in Luxembourg: 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 (CNAP): Flat part: up to €678.70 a month for 40 years (index 992.24) + proportional part: 1.763% of all your insured pay (2026), plus 0.016% for each year that age + career exceeds 95, max 2.05%. Minimum €2,436.04 a month with 40 years (pro rata from 20).
- Age: 65 with at least 10 years of insurance; from 60 with 40 years (including credited periods) or from 57 with 40 years of contributions, without reduction. Pensions follow wage indexation.
Earliest and full pension, by year of birth
| Born in | Earliest pension | Full pension |
|---|---|---|
| 1965 | – | age 62, in 2027 |
| 1970 | – | age 62, in 2032 |
| 1975 | – | age 62, in 2037 |
| 1980 | – | age 62, in 2042 |
| 1985 | – | age 62, in 2047 |
| 1991 | – | age 62, in 2053 |
| 1995 | – | age 62, in 2057 |
| 2000 | – | age 62, in 2062 |
Assumes work from age 22 without gaps.
Example: born in 1991, what each age pays
| Claim at age | Year | Change | Net a month |
|---|---|---|---|
| 62 | 2053 | full pension | €4,165 |
| 63 | 2054 | full pension | €4,290 |
| 64 | 2055 | full pension | €4,419 |
| 65 | 2056 | full pension | €4,551 |
| 66 | 2057 | full pension | €4,575 |
| 67 | 2058 | full pension | €4,599 |
| 68 | 2059 | full pension | €4,623 |
| 69 | 2060 | full pension | €4,647 |
| 70 | 2061 | full pension | €4,669 |
Career from age 22 with the calculator’s example pay; amounts in today’s money.
Frequently asked questions
When can I retire in Luxembourg?
At 62 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 Luxembourg: 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?