State pension

This section explains the old-age pension under Act No. 461/2003 Coll. on social insurance — the pension age, the conditions for early retirement, and how the amount is worked out. The figures are those in force for 2026, from the consolidated text of the Act and Sociálna poisťovňa's own published data. This section is not an official Sociálna poisťovňa notice and has not been through our final sign-off.

What the pension is made of

The old-age pension is calculated as the product of three quantities: the average personal wage point (POMB), the pension insurance period (ODP), and the current pension value (ADH) — 19,76 € per point for 2026 (§ 66 (1), Act No. 461/2003 Coll. on social insurance). See the pension-amount page for the detail.

This section works from the rules and figures in force for 2026, under the consolidated text of the Act and the data Sociálna poisťovňa publishes on an ongoing basis. It is not an official Sociálna poisťovňa notice and the content has not yet been through our final sign-off.

Where to start

Pension age — the table by birth date for cohorts retiring during 2026.
How the pension amount is calculated — POMB, ODP, ADH and the minimum pension.
Early old-age pension — the conditions and a reduction that stays permanent.
FAQ — short answers.

Qualifying for an ordinary old-age pension

You qualify once you reach the pension age AND hold at least 15 years of pension insurance (§ 65 (1)). No provision was found allowing a pension on years of service alone, regardless of age.