Old-age pension

This section explains the old-age pension under the Pension and Disability Insurance Act (ZPIZ-2), as amended by ZPIZ-2O (Uradni list RS No. 90/2025) — the qualifying age, how the amount is worked out, and early retirement. This section is not an official ZPIZ notice and has not been through our final sign-off.

What the pension is made of

The old-age pension is calculated from the pension base — the average of your best 24 consecutive years of insurance since 1970 — multiplied by a percentage that rises with years of pension service: from 15 years onward, on the scale in 37. člen ZPIZ-2. Both parts of that calculation are explained in detail on the how-it's-calculated page.

This section is an independent reference. It works from the rules and figures in force for 2026, under the Pension and Disability Insurance Act (ZPIZ-2), as amended by ZPIZ-2O (Uradni list RS No. 90/2025). It is not confirmed by ZPIZ — the results carry no official standing.

Where to start

Retirement age — the general rule and the lower transitional age running 2026–2034.
How the pension is calculated — the pension base, the percentage, and the minimum pension.
Early retirement — a permanent reduction, with no separately stated minimum age.
FAQ — short answers.

Qualifying for an ordinary old-age pension

You qualify once you reach the retirement age and hold 15 years of insurance service. For 2026–2034 a lower, transitional age applies — see the retirement-age page for the detail.