Frequently asked questions

Your questions about the Luxembourg pension

The essentials for understanding your estimate and the CNAP rules.

Is the calculation reliable and official?

It reproduces the legal formula (art. 214 CSS) and has been verified against the CNAP's official worked examples. It nonetheless remains an indicative estimate: only the CNAP's official calculation at the time of your application is authoritative.

Is my personal data protected?

Yes. The entire calculation is performed in your browser: no career data is sent to or stored on a server.

Does retiring at 57 or 60 reduce my pension?

There is no actuarial reduction in Luxembourg: the formula is identical at 57, 60 and 65. The difference in the amount comes solely from the years of contributions and from crossing the step-up threshold.

I am a cross-border worker or I have a mixed career — is the tool suitable for me?

The Luxembourg portion follows the same formula. European coordination (aggregation of periods, pro rata calculation) will be detailed; the tool estimates the Luxembourg component of your pension.

How can I increase my future pension?

Several legal levers exist: working a little longer, baby years, retroactive purchase, the 3rd pillar, AMVP… The tool quantifies those that apply to your profile.

I’m a cross-border worker: does my career abroad count toward my Luxembourg pension?

Your Luxembourg pension is calculated on your Luxembourg career alone. However, your insurance periods in another EU country are aggregated to open the right (to reach the minimum qualifying period), provided you have at least 1 year of insurance in Luxembourg. Each country then pays its share; the CNAP pays the more favourable of the national and pro-rata pensions (art. 183/184 CSS; Reg. (EC) 883/2004).

What will my spouse receive if I die?

The survivor’s pension for a spouse or partner is 100 % of the flat-rate increments and three quarters (¾) of the proportional increments of your pension (art. 217 CSS), provided the marriage or partnership lasted at least 1 year. Orphans receive ⅓ of the flat-rate and ¼ of the proportional increments, doubled for a child who has lost both parents (art. 218 CSS).

Can I keep working while drawing my pension?

From age 65, there is no restriction: your pension is neither reduced nor suspended. Before 65 (early pension), professional income below one third of the social minimum wage has no effect; above that, the pension is reduced if pension + income exceeds the average of your five highest annual earnings.

I have worked in several countries: how is my pension calculated?

Each country where you paid contributions pays its own pension. Luxembourg calculates its own only on your Luxembourg career. Periods completed in the EU/EEA/Switzerland and in agreement countries are aggregated solely to check that you reach the 120-month minimum qualifying period. Luxembourg then pays you the higher of a national pension (Luxembourg career only) and a pro-rata pension (Regulation (EC) 883/2004, art. 52). At least 12 months must have been paid in Luxembourg.

I paid contributions outside Europe (United States, Canada, Japan…): is that taken into account?

Yes, if the country is linked to Luxembourg by a bilateral social security agreement (including the United States, Canada, Québec, Japan, India, Türkiye and about twenty others): those periods are aggregated to open your right. Countries without an agreement cannot be aggregated on the Luxembourg side — their periods remain acquired in their own scheme. Note: the agreement with China does not provide for aggregation. The Luxembourg amount is still calculated on the Luxembourg career alone.