Пенсійна реформа 2025 | Як розраховуються бали для пенсії

Introduction

This tutorial aims to clarify how pension points are calculated in the context of the 2025 pension reform in Ukraine. Understanding this process is crucial for individuals planning for retirement, as it directly affects the amount of pension one will receive.

Step 1: Understand Pension Points

• Pension points are a system used to calculate retirement benefits based on the contributions made during a person's working life.
• Each year, individuals accumulate points based on their income and the amount contributed to the pension system.
• The total number of points accumulated will determine the pension amount when you retire.

Step 2: Calculate Your Annual Points

• To calculate your pension points for a specific year, follow these steps:
  1. Determine your annual income.
  2. Identify the contribution rate for the pension system (usually a percentage of your income).
  3. Calculate the total contributions made that year.
  4. Divide your total contributions by the average salary in the country for that year.
  5. The result is the number of pension points earned for that year.

Step 3: Track Your Accumulated Points

• It's important to keep track of your pension points over the years.
• You can do this by:
  • Requesting annual statements from your employer or the pension fund.
  • Keeping personal records of your income and contributions.
• Monitoring your points will help you estimate your future pension benefits.

Step 4: Know the Changes in 2025

• Be aware of any changes in the pension legislation that may affect how points are calculated or how benefits are distributed.
• Stay informed about:
  • Adjustments in the average salary used for calculations.
  • Changes in contribution rates or pension point values.

Step 5: Plan for Your Retirement

• Use the information about your accumulated points to create a retirement plan:
  • Estimate your future pension based on current points and projected earnings.
  • Consider additional savings or investment options to supplement your pension.
  • Consult with a financial advisor for personalized advice.

Conclusion

Understanding how pension points are calculated and accumulated is essential for effective retirement planning. By tracking your points and staying informed about legislative changes, you can better prepare for your financial future. Consider creating a personalized retirement strategy that incorporates both your pension benefits and additional savings options to ensure a comfortable retirement.