Calculate
Reproduces the legal formula (art. 214 CSS) to the cent: flat-rate and proportional increases, the increment threshold, floors and caps — shown line by line.
Old-age pension · Luxembourg
Your Luxembourg pension, calculated and optimised.
Estimate your future CNAP pension, compare your retirement-age scenarios and discover the legal levers to gain years — and euros.
100% in your browser — no data is ever sent.
Three steps
Compare
Weigh retiring at 57, 60 or 65. The gap comes not from any penalty, but from contribution years and the increment threshold — we show you why.
Optimise
Every lever that applies to your profile is quantified: baby years, retroactive purchase, 3rd pillar, AMVP… with conditions, deadlines and legal basis.
Official sources
Every figure is traceable back to the law.
No value is made up. Rates, thresholds and amounts come exclusively from the Social Security Code (CSS), the income tax law (LIR) and Luxembourg's official sources (CNAP, IGSS, STATEC, Legilux). Any unconfirmed parameter is flagged as such — never presented as official.
Optimisation levers
Concrete ways to gain retirement years and euros.
Work a little longer
The most powerful lever: with no penalty, each month adds to your increases and can cross the increment threshold.
Baby years
Up to 24 months per child counted with a notional income — to be claimed before the pension is awarded.
3rd pillar & tax
Private pension savings, AMVP, tax credits: we quantify the tax saving and the effect on your net pension.
Retroactive purchase & continued insurance
Fill career gaps: we simulate the cost (with interest) against the gain, and compute the break-even point.
MaPension.lu is an indicative estimation tool. Only the official CNAP calculation at the time of your application is authoritative.