An estimated pension using the Pension Fund of Ukraine formula: insurance record, salary and the right to retire at 60, 63 or 65.
| Record | Can retire | By the formula | Pension |
|---|
The result is the monthly pension for someone retiring in 2026. Below it you can see from what age that record gives the right to retire, how much each year of record adds and what share of your salary the pension will be. The chart shows how the pension changes with a record of 15 to 45 years.
The average wage indicator is the average salary in Ukraine on which contributions were paid over the three years before the year of retirement. The earnings ratio shows how many times your salary differed from the average: the Pension Fund calculates it for every month since 1 July 2000 and averages it. Each factor and how the Pension Fund actually calculates it is covered in detail in our article on how to calculate a retirement pension.
In "From my salary" mode the calculator divides your salary by the average salary on which contributions were paid: according to the Pension Fund, in April 2026 this was UAH 25,001.55. This gives the ratio you would have if your salary had always been in the same proportion to the average.
| Official salary | Earnings ratio | Pension with 35 years of record |
|---|---|---|
| UAH 8,647 (minimum) | 0.35 | UAH 2,116 by the formula, UAH 2,595 with the minimum |
| UAH 15,000 | 0.60 | UAH 3,671 |
| UAH 25,000 | 1.00 | UAH 6,119 |
| UAH 40,000 | 1.60 | UAH 9,790 |
| UAH 60,000 | 2.40 | UAH 14,685 |
This is an estimate. If your salary changed, for example it was at the minimum in the early years and then rose, your actual ratio will be the average over the whole period. The Pension Fund may also leave out up to 10% of the months with the lowest salary if that works in your favour. For a more accurate result, take the ratio from your Pension Fund account or work out the average ratio of your salary to the national average over different years.
| Retirement age | Record in 2026 | What changes next |
|---|---|---|
| 60 | At least 33 years | One year more every year, 35 years in 2028 |
| 63 | From 23 years | The lower limit also rises every year |
| 65 | From 15 years | No change |
| Under 15 years | No pension is granted | State social assistance from 65 |
The calculator uses the 2026 rules. If you retire later, check the requirements for your year: a record that is enough today may fall short in a few years. How to check your record and what to do about gaps is explained in our article on insurance record.
The pension equals the average wage indicator used for pensions (UAH 17,482.87 for pensions granted in 2026), multiplied by your earnings ratio and by the record ratio: 1% for each year of insurance record.
At 60, at least 33 years of record; at 63, from 23 years; at 65, from 15 years. The requirements rise by a year every year: in 2028 retiring at 60 will require 35 years.
In your personal account on the Pension Fund of Ukraine web portal: it shows your record and salary for every month since 2000. The Pension Fund calculates the exact ratio when it grants the pension; the calculator gives an estimate from your current salary or from a ratio you already know.
With a full record (30 years for women, 35 for men) the minimum pension equals the subsistence minimum for people unable to work: UAH 2,595. The government also sets top-ups for non-working pensioners, which the calculator does not include.
Most often because of a low earnings ratio: contributions were paid only on the official part of the salary. A salary at the minimum wage gives a ratio of about 0.35, and the formula pension comes out below the subsistence minimum.
No. It shows the pension in today's hryvnias for retirement in 2026. Pensions are indexed every year from 1 March, and the average wage indicator for new pensions changes, so by the time you retire the amount in hryvnias will be different.
Checked against official sources on October 29, 2026. When a figure changes, it is updated on every page of the site.
The calculation is for reference only and is not financial or tax advice. Actual terms depend on your contract with the bank, fees and current law.
Spotted a mistake or an outdated figure? Let us know and we will check it against the primary source and fix it.
Write to redaktsiia@wm2.com.ua: what is wrong and, if possible, a source with the correct information. In Gmail or your mail app the page address will already be in the message.
Two ways to buy record, 2026 prices, payback calculations for three situations, step by step application, incomplete months and free alternatives.
Age and record needed to retire in 2026, the three multipliers of the formula, a table of examples by record and wage, minimum guarantees and how to find out your pension.
A step-by-step check on the Pension Fund portal, common errors and how to fix them, digitising your labour book and the cost of buying service in 2026.