Retiring with 5,400 days is a partial retirement option offered to people who meet the age requirement but have not completed the full number of premium days (7,000–9,000). If you have accumulated 5,400 premium days, this article is for you.
For those aiming to retire with 5,400 days in 2025, we have compiled the current pension amounts, age limits, SGK conditions and important considerations in full detail.
What Is Retirement with 5,400 Days?
Retirement with 5,400 days is a form of partial retirement defined under the Social Security Institution’s (SGK) Law No. 5510. With this system you can retire earlier without completing the full premium requirement, but your pension will be lower.
Who Can Retire with 5,400 Days? (2025)
The right to retire with 5,400 days applies only to people whose insurance entry date is on or after May 1, 2008. You must also meet the service duration and age conditions.
Conditions:
- Insurance Entry: May 1, 2008 or later
- Number of Premium Days: 5,400 days
- Insurance Duration: At least 15 years
- Retirement Age:
- Women: 61 years
- Men: 63 years
Note: This right is valid only for those whose insurance started after 2008 under SSK, Bağ-Kur and Emekli Sandığı. Different systems (3,600 or 4,500 days) apply to earlier entries.
How Much Pension Will Someone with 5,400 Days Receive?
As of 2025, average pension amounts for those retiring with 5,400 days are approximately:
| Insurance Type | Average Pension |
|---|---|
| SSK (4A) | 14,000 – 16,500 TL |
| Bağ-Kur (4B) | 12,500 – 14,500 TL |
| 4C (Civil Servant) | 16,000 – 18,500 TL |
Why is it lower?
Because retirement with 5,400 days is a “partial retirement,” the monthly accrual rate is lower. In addition, your pension is calculated based on your earnings subject to premiums, so if you paid premiums at minimum wage for a long time your pension may be relatively low.
Is Severance Pay Available?
Yes. Those who complete 5,400 days and meet the age requirement can resign with a statement from SGK confirming they are eligible to retire and receive severance pay. However, people who leave before meeting the age condition cannot receive severance pay.
Is Retiring with Only 5,400 Days Sensible?
Advantages:
- The possibility to retire at an earlier age
- You can leave the system without completing the full premium days
- Potential to receive severance pay
Disadvantages:
- Pension amount is lower compared to full retirement
- Monthly accrual rate is low (around 30–40%)
- Your income may be more limited against future increases in living costs
Advice for Those Who Want to Retire with 5,400 Days
- If you can continue working, paying premiums up to 7,000 or 9,000 days will significantly increase your future pension.
- Especially for Bağ-Kur contributors: because of the low accrual rate, retiring without increasing your premium days can result in a very low pension.
- Visit SGK for an official retirement information service. You can also check your retirement age and premium details on the “My Retirement Information” page in the e-Government portal.