Retirement date calculator

How it is calculated

The date of first insurance decides which group of rules applies. Each group has one or more “routes”; a route is made of an age, a period of insurance (sigortalılık süresi) and a number of premium days (prim günü), and it is complete on the date of the last of its conditions. The result is the date of the route that is complete first. An age is reached on the birthday, a period of insurance on the anniversary of its start. Future premium days are added from the as-of date at the yearly number you enter.

• First insured after 30 April 2008 (Law 5510 art. 28/2–3). Age 58 for women and 60 for men, and 7200 premium days for employees (4/a) or 9000 for the self-employed (4/b) and civil servants (4/c). From 1 January 2036 the age rises by stages, and the limit in force on the day the day-count is reached applies; from 2048 it is 65. Three years can be added to these ages (to at most 65) with 5400 days (art. 28/3). For 4/a that day-count is 4600 for those who entered in 2008, rises by 100 for each later year of entry and stops at 5400 (prov. art. 6/7(b)). For the age step the SGK also uses the day on which the 5400 days are reached.
• First insured 9 September 1999 – 30 April 2008 (Law 5510 prov. art. 9). 4/a: age 58/60 and 7000 days, or age 58/60 with 25 years insured and 4500 days. 4/b: age 58/60 and 25 full years of premium, or age 60/62 and 15 full years. 4/c: age 58/60 and 25 full years of premium, or age 61 and 15 full years. A “full year” is counted as 360 days.
• First insured before 8 September 1999. For claims made after 3 March 2023 the age condition is not applied under Law 506 prov. art. 81(B), the second paragraph of Law 1479 prov. art. 10 and Law 5434 prov. art. 205; the other conditions remain (Law 5510 prov. art. 95, added by Law 7438).
  • 4/a: 20 years of insurance for women and 25 for men, and 5000–5975 premium days depending on the years of insurance on 23 May 2002 (Law 506 prov. art. 81(B)). Those insured for 18 (women) or 23 (men) years on 8 September 1999 keep the art. 60(A) that applied before Law 4447 (prov. art. 81(A)). The route with 15 years, 3600 days and an age that rises by date (prov. art. 81(C)) is also tried.
  • 4/b: 20 full years of premium for women and 25 for men (Law 1479 prov. art. 10/2). The 15-year route with an age that rises by date (art. 10/3) is also tried.
  • 4/c: 20 years of actual service for women and 25 for men (Law 5434 prov. art. 205).
• Start of insurance time. For those who entered before 18, insurance time counts from the 18th birthday, except for registrations under Law 506 before 1 April 1981 (art. 38/2; prov. art. 6/1).

The calculator shows the date the conditions are met, not the date a pension starts. A pension is awarded on written request, and employees (4/a) must have left the job, the self-employed (4/b) must have declared whether they will stop the activity, and civil servants (4/c) must have the approval for retirement (art. 28/9; art. 30/1).

Example

A woman, 4/a, born 1 January 1961, first insured on 2 February 2015. On 7 November 2026 she has 3600 premium days and goes on adding 360 days a year.

• Because she entered in 2015, the 5400-day route needs 4600 + 7 × 100 = 5300 days. She lacks 1700 days, which take 1700 × 365 / 360, about 1724 calendar days; the condition is met on 28 July 2031.
• The age limit is 58 + 3 = 61, reached on 1 January 2022.
• On the full route (7200 days) the condition is met on 4 November 2036.

Result: 28 July 2031 (5400-day route, art. 28/3 and prov. art. 6/7).

What it leaves out

• 8 September 1999 itself. For someone first insured on that day, Law 506 prov. art. 81 and Law 5510 prov. art. 9 overlap, and the calculator refuses that date. For civil servants (4/c) the other routes of the old art. 39 of Law 5434 (for example 15 years of service and age 61) and rights already earned on 8 September 1999 (Law 1479 prov. art. 10/1) are not covered.
• Routes whose age rises by date. In Law 506 prov. art. 81(C) and Law 1479 prov. art. 10/3 the age limit rises with the date on which the conditions are met. The text can be read two ways on whether the age condition belongs to those conditions, and the date on which the day condition was met in the past cannot be known from the figures entered. If both readings give the same age the route counts. If they differ and the route could be earlier than the one chosen, a note is added; if it is earlier under both readings, no result is given.
• 4/b and 4/c before 8 September 1999: the tables in the Laws cover those with at least 3 full years of premium or service in 2002. If that is impossible from your date of first insurance, no result is given; if it is possible, it is assumed that the time was in fact completed.
• Bought-back periods, increments and special routes: periods bought back (borçlanma; arts 41, 46), increments for hazardous work (fiili hizmet süresi zammı; art. 40), underground mining (art. 28/6; prov. art. 9/5), disability (art. 28/4–5), early ageing (art. 28/7) and women with a severely disabled child (art. 28/8). Each can change the age and day conditions.
• More than one insurance status: periods under different statuses and combining periods (prov. arts 2, 4), agricultural insurance (Laws 2925, 2926), voluntary insurance and periods abroad. In those cases you must settle the date of first insurance yourself; the calculator assumes a single type of insurance.
• Premium days: the days are those reported at the as-of date; what follows is an estimate based only on the yearly number you enter. A “full year” and, for 4/c, a “year of actual service” are counted as 360 days.
• The amount of the pension: the calculator finds the date the conditions are met; it does not calculate the pension.