Skip to content
SeniorHelp

Free tool

Pension Calculator 2026

Estimate the monthly pension using the CNPP formula — contribution years × average annual score × the reference point value (81 lei in 2026). Compare the result with the average cost of a care home in Romania.

Your details

Minimum full qualifying period: 35 years (men) / 33 years (women) in 2026

1.0 = average economy wage. Below 1 = below average, above 1 = above average. Find this on your pension decision letter.

How is it calculated?

Pension = Years of contribution × Average annual score × Reference point value (RPV)

RPV 2026: 81 lei

💰

Fill in your details

Enter your years of contribution and average annual score to estimate your pension.

⚠️ Indicative calculation

This calculator provides an indicative estimate based on the simplified CNPP formula. Your actual pension may differ depending on: additional qualifying periods, special working conditions, recalculations, Pillar II contributions, assimilated periods and stability points. For an exact calculation, contact your County Pension House.

Sources and methodology

  • Reference point value (RPV) 2026: 81 lei — cnpp.ro
  • Formula: Monthly pension = Years of contribution × Average annual score × RPV
  • Average care home cost (national): estimate based on SeniorHelp database (795+ care homes)
  • Last updated: April 2026

Frequently asked questions

How does the pension calculator work?
It gives you an indicative estimate based on the figures you enter. It is a planning aid, not an official calculation — the exact amount is determined by the pension authorities.
What is the reference point value (VPR) in 2026?
81 lei. The reference point value used by the Romanian pension authority (CNPP) is frozen at this level until 2027, and the calculator applies it automatically. The official value is published on cnpp.ro.
How is the pension calculated in 2026?
Under Law 360/2023, the monthly pension equals the total number of points multiplied by the reference point value (81 lei). The total reflects contribution years and annual scores, and careers longer than 25 years also earn stability points. This calculator uses the simplified estimate: contribution years × average annual score × 81 lei.
What is the retirement age in Romania?
The standard retirement age is 65 for men; for women it is increasing gradually and will also reach 65 by 2035. Early retirement and special work conditions have separate rules — check your exact situation with the territorial pension office.
Is the estimate official?
No. The result is orientative and meant to help you plan. For an official figure, check with the relevant pension institution.
How can a pension estimate help with care costs?
Knowing roughly what income is available makes it easier to plan a budget for a care home or other services. You can compare that budget against indicative prices in our directory.
Where do I estimate care-home costs?
Use our care-home cost calculator and browse the directory to compare real homes, facilities and prices.

See also: care-home cost calculator · guide to choosing a care home · browse all care homes