You can estimate how much pension payment you may receive by using a pension calculation tool. A pension is a payment provided to those who meet required premium payment and age conditions during their working life. This payment prevents income loss for people who leave work after reaching a certain age limit.
To receive a pension you must have worked under social insurance. Those who worked without insurance can only become eligible for retirement if they prove their work in labor courts. In that case, the court must recognize the employment and retroactive premium payments may be collected from the employer.
Using a pension calculation tool, you can get an idea of the amount based on your paid premiums. The calculated amount is an estimate and may not exactly match the final payment. Calculations are intended to give a general idea.
The Social Security Institution performs approximate retirement calculations. This allows you to obtain an estimated amount based on your work history to date. To use the official calculator you should access the system via the appropriate SGK address.
How Is Pension Calculated?
Pension calculation is affected by several variables. Some payments made during working life are partially or fully included in the pension calculation, while others are excluded. For this reason, producing an exact pension figure can be complex and difficult.
A rough calculation is often more practical. It helps to list the variables that influence the pension amount:
- Date of the insured’s first employment
- Total number of premium contribution days
- For 4A and 4C insured persons: the premiums paid by employers; for 4B insured: premiums paid by the insured
- Retirement date
- Total period spent as an insured person
- Age
- Type of insurance
- Applicable legal framework
Each of the items above affects retirement. The applicable law is particularly important because legal changes in Turkey at different times have altered retirement ages and conditions.
Legal periods are commonly grouped as follows:
- Before 31.12.1999
- 01.01.2000 – 30.09.2008
- After 01.10.2008
Different rules apply to people who retired in these periods. The last major change in 2008 increased the retirement age and tightened some premium payment requirements.
PENSION CALCULATION TOOL
You can access the pension calculation screen on the Social Security Institution’s site. The correct address for the calculator is the SGK monthly calculation endpoint. From there you can estimate the pension payment for 4A insured persons.
On that screen you can perform the pension calculation. The required information includes identity number, registration number, father’s name, province of registration and date of birth. You cannot run the calculation if your total premium days are less than 3600.
The calculation returns an approximate monthly amount. The 3600-day minimum is enforced so that only those who are potentially eligible for a retirement pension see an estimate.
Due to recent regulations affecting those who were held back by the retirement age requirement, many people are expected to leave the workforce. For people retiring under the EYT arrangement, the minimum premium day requirement is 3600. Therefore the calculator does not provide estimates for lower totals. You can find your registration number from your SGK registration and service statement.
E-Government Pension Calculation
E-Government pension calculation is available mainly for 4B insured persons. Start by logging in to the national e-Government portal. Click the “Login” option and sign in using your identity number and password or an alternative secure method.
Other sign-in options include mobile signature, e-signature and internet banking credentials.
After you log in, use the search field to find the calculation page by typing “calculation”.
Select the “4B pension calculation – Social Security Institution” entry to reach the calculator. You will be asked whether you are a tradesperson or agricultural worker and should choose the appropriate option. Click “Query” to see the result.
To run a calculation on that screen you must have paid at least 5400 premium days. With fewer days, the calculator does not return a result. Also note that these estimates are not definitive; to obtain an official pension amount you must apply to the institution.
SGK Pension Calculation
To understand how SGK calculates pensions you need to know which variables are effective. Legal segments are calculated separately, meaning a worker’s earnings under different laws are computed independently.
Indicators, monthly binding rates and coefficients are included in the payment calculation. In general, the last ten years’ earnings are considered: their sum is divided by ten to get an average. That average is then mapped to the indicator table to determine the pension base.
For BAĞ-KUR pensions, a 70% monthly binding rate applies for periods before 2000. Between 2000 and 2008, the pension is obtained by multiplying the weighted average by the monthly binding rate. The weighted average for 2000–2008 is the ratio of premiums paid in that period to total premium days.
After 2008, growth rates and inflation indices are also included in the weighted average. BAĞ-KUR contributors who paid higher premiums before 2000 tend to receive higher pensions. In general, BAĞ-KUR pensions are lower than 4A pensions, so higher contributions lead to higher retirement income.
4A Pension Calculation Tool
The 4A pension calculation tool lets you estimate how much pension you might receive. The SGK system’s calculator provides an approximate monthly amount based on insured earnings used for premium calculations.
Not all payments are included in the base earnings used for calculations; some are partially or fully excluded. Salary payments, premiums and bonuses are the primary items included in the base. Salary components like annual leave pay, holiday pay and regular monthly payments are included. There are lower and upper limits for base earnings.
The lower limit is the minimum wage; the upper limit is set at a multiple of the minimum wage. Family and child allowances are partially excluded: a portion of family allowance and a percentage of meal allowance are exempt from the base earnings calculation.
How Much Pension Will I Get If I Retire?
You cannot determine an exact pension amount before applying, but you can get an estimate. Use the SGK and e-Government calculators to learn approximate amounts. Official tools require that your premium day total meets the necessary threshold for a valid calculation.
Pension calculators access SGK records to provide the most accurate estimate based on available data. Generally, the more premiums you’ve paid, the higher your pension will be.
If your contributions were based on the minimum wage your pension will be lower. Higher declared earnings yield higher retirement income. Many retirees find their pension insufficient and continue working afterward.
In Turkey, pension levels are often low and sometimes insufficient for living expenses, which contributes to a significant informal employment rate.
| Status | Year | Pension |
| SSK post-2000 pension | 2023 | 5,500 TL |
| SSK pre-2000 pension | 2023 | 6,083 TL |
| Bağ-Kur agricultural pension | 2023 | 5,500 TL |
| Bağ-Kur tradesperson pension | 2023 | 5,500 TL |
Civil Servant Pension Calculation
Civil servant pension calculation follows different rules. Public servants’ system differs from private sector and BAĞ-KUR contributors, and additional indicator values must be considered.
Indicator numbers are multiplied by the monthly coefficient to calculate the indicator allowance. The monthly value is also computed by multiplying the base monthly indicator by the coefficient. A separate calculation determines the seniority allowance, which uses specific indicator and coefficient values. In brief, the formula involves the gross monthly total and a factor based on service length.
Components included in the gross monthly total include:
- Monthly amount from step indicator multiplied by the salary coefficient
- Additional indicator amount (extra indicator multiplied by the salary coefficient)
- Base monthly amount from the base indicator and coefficient
- Seniority allowance from the seniority indicator and salary coefficient
- Amounts calculated as percentage values from coefficient and extra indicator products
Retirement Fund (4C) Pension Calculation
For the Retirement Fund (4C) pension calculation you should use the specified SGK service calculation page. The calculator lists the required information you must provide when preparing your estimate.
The information requested for a Retirement Fund pension estimate typically includes:
- Date of birth
- Gender
- Insured service period up to 2002
- Insured service period after 2002
- Insurance start and end dates
- Type of service
After completing the form and selecting the “4C service” option, click “Calculate.” If the estimated amount is unsatisfactory you can work longer or consider using any available periods of buyback to increase your future pension.
BAĞ-KUR Pension Calculation
BAĞ-KUR pension calculation can be done via e-Government or the relevant online tables. You can also check “When can I retire as 4/B” to learn your retirement timing. Complete the form fields shown on the page to get an estimate.
The form asks about your retirement type. Those who meet the required premium day and age thresholds qualify for full retirement. If you have no missing premium days select “Full.” The questionnaire also asks about disability and related details, which affect eligibility for early retirement.
Questions about disability degree, early aging conditions and whether you have a dependent child needing care are included. Answering these questions accurately helps the calculator deliver a more precise result.
By calculating both your retirement age and expected pension amount together you can decide the best time to leave the workforce. If your pension would be insufficient to cover living costs, you may choose to continue working and paying premiums to postpone retirement.
In cases of disability, having a dependent disabled child or early aging, you may qualify for retirement with fewer premium days and a lower age limit. Since 4B pensions are often low, increasing declared premiums can be beneficial.
Can I Learn My Pension Amount by Phone?
You can check your pension payment by phone if you already receive payments. Install the e-Government app on your phone or check via internet banking to see deposited amounts.
In the e-Government app, search for pension calculation to access monthly estimates for 4A, 4B and 4C. You can also use your bank’s online branch or telephone banking to learn how much was paid.
You can also call the ALO 170 line to get information on your pension payments. Inform the call center representative that you wish to learn your pension amount and they can provide guidance.
Checking your pension amount helps detect underpayments or unauthorized transactions on your account, so regular verification is important.
EYT Pension Calculation
EYT pension calculation is useful for those affected by the “stuck by age” retirement issue. People in this group have long sought a legislative solution, and authorities reached an agreement on changes effective from 2023.
The planned regulation removes the age condition for those with insurance entry before 08.09.1999. Eligibility follows the pre-1999 rules for insured periods and premium days. Required premium days generally fall between 5000 and 5975 depending on the status; BAĞ-KUR and Retirement Fund conditions may require higher totals.
For women with pre-1999 insurance entry, the 20-year insured service requirement was met by 2019. For men the period is 25 years. People who started work in 1997 completed this in 2022; those who started in 1998 completed it in 2023; and those who started in 1999 completed it in 2024. This provides a phased path to retirement for eligible people.
If you lack premium days, alternatives exist. Those who complete 15 years and 3600 days can qualify for partial retirement, and periods such as military service or maternity can be purchased to increase insured days.
You can use the calculators on e-Government and SGK sites to estimate an EYT pension and check your premium day totals and missing days online.