State pension

This section explains the state old-age pension for service and age under the Social Insurance Code (KSO) — the pension age, the early-retirement conditions, and how the amount is calculated. The figures are those for 2026, under KSO and the 2026 State Social Insurance Budget Act (ЗБДОО 2026). This section is not an official НОИ notice and has not been through our final sign-off.

What the pension is made of

The state old-age pension is built from three pieces: the trailing national average insurable income (currently 989,23 €, republished every month by НОИ, the national social security institute), your own individual coefficient against that income, and your years of pension service multiplied by an annual accrual rate. How they combine is set out on the how it's calculated page.

This section is an independent reference. It works from the rules and figures in force for 2026, under the Social Insurance Code (KSO) and the 2026 State Social Insurance Budget Act (ЗБДОО 2026). It is not confirmed by НОИ — the results carry no official standing.

Where to start

Pension age — the age and required service, separately for women and men.
How the pension is calculated — the reference income, the coefficient, and the accrual rate.
Early retirement — the conditions and a reduction that does not lapse.
FAQ — short answers.

A note on the age and the service figures

The age and required service under чл. 68 KSO rise every calendar year, and differently for women and men. This section states the figures for people reaching the age in 2026; next year's figures will differ.