Retiring with 4,500 days of contributions is a common target for many employees in Turkey, especially those who started working after 1999. The rules vary depending on the start date of insurance and the year, so eligibility and benefits can differ. Below we summarize the updated conditions and pension amounts for retiring with 4,500 days as of 2025.
Conditions for Retirement with 4,500 Days in 2025
To retire based on 4,500 days, the following three conditions must be met simultaneously:
- Complete 25 years of insured service
- Have at least 4,500 days of premium paid
- Be at least 58 years old for women and 60 years old for men
These conditions apply to those whose insurance started between 08.09.1999 and 30.04.2008. Different rules apply to those with later insurance start dates.
Conditions for Women
Retirement ages for women under the 4,500-day rule depend on their employment start date:
- Those who started between 2000 and 23.05.2005: age 52
- Those who started between 24.05.2005 and 23.05.2008: age 54
- Those who started between 24.05.2008 and 23.05.2011: age 56
- Those who started after 24.05.2011: age 58
Conditions for Men
Retirement ages for men under the 4,500-day rule are as follows:
- Those who started between 2002 and 23.05.2005: age 52
- Those who started between 24.05.2005 and 23.05.2008: age 54
- Those who started between 24.05.2008 and 23.05.2011: age 58
- Those who started between 24.05.2011 and 23.05.2014: age 59
- Those who started after 24.05.2014: age 60
Is 4,500-Day Retirement Available for Bağkur?
Bağkur insured workers are not eligible to retire with 4,500 days. Bağkur contributors must generally meet a minimum of 5,400 premium days to retire. In practice, a Bağkur participant needs to complete the required premium days and any applicable age conditions.
How Much Pension Will Someone with 4,500 Days Receive in 2025?
As of 2025, the minimum pension for those retiring with 4,500 days has been set at 10,000 TL. This amount reflects recent adjustments.
| Contribution Days | Minimum Pension in 2025 |
|---|---|
| 4,500 days | 10,000 TL |
| Partial retirement | 10,000 TL |
Salary Difference Between 4,500 and 7,000 Days
Those retiring with 4,500 days typically receive about 20% lower pension than those who retire with 7,000 days, because pension amounts increase as total contribution days rise.
For example:
- 4,500-day pension: 10,000 TL
- 7,000-day pension: approximately 12,500 TL
Is Severance Pay Due with 4,500 Days?
Yes. Employees who complete 4,500 days and 25 years of insured service and then leave their job are entitled to severance pay. They should obtain a formal “eligible for retirement” document from the Social Security Institution (SGK) and present it to their employer to claim severance.
Severance Pay Calculation in 2025
Steps to calculate severance pay:
- Divide the gross salary by 30 to find the daily gross wage.
- Calculate the total number of days worked (1 year = 365 days).
- Multiply the daily gross wage by the number of days worked.
- Subtract 0.759% stamp tax from the resulting amount.
Example:
- Gross salary: 30,000 TL
- If you worked 10 years, estimated severance pay: about 300,000 TL
How to Check Eligibility for 4,500-Day Retirement
To check retirement eligibility based on 4,500 days:
- Log in through the national e-Government portal.
- Check the “SGK Registration and Service Statement” section to review your contribution days and insured service period.
- You can also contact or visit local SGK provincial directorates for detailed information.
Tips to Maximize Pension with 4,500 Days
- Ensure that all insurance premiums are paid completely and based on full declared earnings
- Avoid having premiums declared at low earnings
- Consider leaving low-premium schemes such as agricultural Bağkur or supplementary agricultural systems if applicable
- If needed, declare higher earnings in recent years to improve the pension base
Who Can Retire Before Reaching 4,500 Days?
- Those eligible for disability (invalid) retirement
- People with medical reports showing severe early aging conditions
- Those who complete missing contribution days through childbirth or military service buyback
Is 4,500-Day Retirement the Only Path to Early Retirement?
No. There are several alternative paths to earlier retirement, such as buyback of days for childbirth or military service and disability retirement.
How much pension is paid when retiring with 4,500 days?
In 2025 the minimum pension is 10,000 TL.
Can someone who retires with 4,500 days receive severance pay?
Yes. Employees who obtain an SGK retirement eligibility document and leave their job can claim severance pay.
Can Bağkur contributors retire with 4,500 days?
No. Bağkur contributors generally need 5,400 premium days to retire.
Is it possible to retire before completing 4,500 days?
Only in cases such as disability retirement or other special circumstances.