Kalkulačka dôchodkov 4 piliere

The pension calculator pepp.sk is a helper in your investment decisions. Thanks to the power of mathematics, statistics and artificial intelligence, it will allow you or your clients to "know tomorrow" and find out what kind of pension awaits you in 20 or 30 years.

The calculator is easy to use. You will get the most accurate results if you find your account statements in the second and third pillars and enter the saved amount into the calculator. However, the calculator also works without entering data from the account statement. Algorithms are fairly good at estimating the amount of future pensions based on data such as age, salary, fund and number of years in the pillar.

1. Enter your current age and gross monthly salary. If you are self-employed, enter the amount of the assessment base.

2. Enter the number of years of pension insurance

You will receive a lifelong pension from the social insurance company. You can choose the number of years of receiving a pension from the II, III and IV pillars. Think about how many years you want to receive a pension from II. 3. and IV. pillar. The fewer years you receive, the higher the monthly amount of your pension will be. In Slovakia, retired men live an average of 16 years and women 20 years, while the average life expectancy in old age continues to increase.

3. Enter the number of years during which you have already been in pillars II and III.

If you have an account statement in II. pillars, enter the amount saved. If you do not know the account balance, leave the field zero. The algorithm estimates the amount based on age, salary and number of years.

4. Select fund II. the pillar in which you save.

5. If in IV. you are not investing pillars yet, leave this part zero.

6. Press the button "I will calculate your pension from four pillars" and get acquainted with the calculation of your pension, read the personal analysis and find out what recommendations our artificial intelligence will give you.

7. Return to the beginning of the calculator. Based on the recommendations, for example, change the fund in II. pillars on the index.

8. Fill in the numbers in IV. pillars. Find out how much your pension will improve if you invest once or start saving regularly in IV. pillars.

Tip: In case you can't get information about being in a pension fund, you can try it: Play with the calculator until you find the perfect combination for your future.

The calculator wants to be a practical navigator and advisor that will allow a person to look into his future with a reasonable degree of accuracy and help him make decisions. If this calculator does nothing but open the user's eyes and allow them to think about today's consumption compared to a person's income in retirement, I will be glad I made this calculator.

The calculator uses and takes into account data from several models. The main ones are the demographic and macroeconomic models.

At the same time, it works with a certain degree of uncertainty, especially when it comes to modeling future policies. We don't know what the politicians will do to us in the future, but we know fairly well the barriers they cannot deviate from because it would help them in electoral votes or in the economy of the country.

Of course, the calculator goes back to the past and takes into account all tax and levy principles that have changed over time, influenced and still influence the pension system in Slovakia.