State Pension Calculator
Free state pension calculator. Estimate monthly retirement benefits at different claiming ages and compare early vs delayed retirement for 15 countries.
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Last updated: January 2026
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Frequently Asked Questions
How do state pension ages differ by country?
State pension ages vary significantly: US 67, UK 66 (rising to 68), Germany 67, France 64, Japan 65, Australia 67, China 60 for men. Many countries are gradually increasing retirement ages due to longer life expectancy.
What is a pension replacement rate?
The replacement rate is the percentage of your pre-retirement earnings that your pension will replace. Italy and Spain have high rates (80%+), while the UK and Mexico have lower rates (26-29%). Higher rates mean more retirement income.
Can I claim my pension early?
Most countries allow early claiming with reduced benefits. In the US, you can claim at 62 with ~30% reduction. Germany allows 63 with reductions. Some countries like UK and Australia have fixed ages with no early option for state pensions.
How does delaying retirement affect my pension?
Delaying retirement typically increases your monthly benefit. In the US, benefits increase 8% per year until 70. Other countries have similar incentives, usually 4-8% per year of delay.
Are these calculations accurate?
US calculations use actual Social Security formulas. For other countries, we use average replacement rates which provide estimates. Actual benefits depend on your contribution history, specific rules, and may include additional tiers beyond state pensions.