{"id":60891,"date":"2024-08-04T11:48:26","date_gmt":"2024-08-04T09:48:26","guid":{"rendered":"https:\/\/www.fondapi.it\/pension-calculation\/"},"modified":"2025-11-12T08:44:35","modified_gmt":"2025-11-12T07:44:35","slug":"pension-calculation","status":"publish","type":"page","link":"https:\/\/www.fondapi.it\/en\/how-it-works\/employee-enrollment\/pension-calculation\/","title":{"rendered":"Pension Calculation"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"60891\" class=\"elementor elementor-60891 elementor-57075\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-35dee502 e-flex e-con-boxed e-con e-parent\" data-id=\"35dee502\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-20d9b197 e-flex e-con-boxed e-con e-child\" data-id=\"20d9b197\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-cde79ee elementor-widget elementor-widget-jet-breadcrumbs\" data-id=\"cde79ee\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"jet-breadcrumbs.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-jet-breadcrumbs jet-blocks\">\n\t\t<div class=\"jet-breadcrumbs\">\n\t\t<div class=\"jet-breadcrumbs__content\">\n\t\t<div class=\"jet-breadcrumbs__wrap\"><div class=\"jet-breadcrumbs__item\"><a href=\"https:\/\/www.fondapi.it\/en\/\" class=\"jet-breadcrumbs__item-link is-home\" rel=\"home\" title=\"Home\">Home<\/a><\/div>\n\t\t<\/div>\n\t\t<\/div>\n\t\t<\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1e3938bc elementor-widget elementor-widget-html\" data-id=\"1e3938bc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<script>document.addEventListener(\"DOMContentLoaded\", function() {\n  var observer = new MutationObserver(function(mutations) {\n    mutations.forEach(function(mutation) {\n      var link = document.querySelector(\".jet-breadcrumbs__item-link[title='Fondapi']\");\n      if (link) {\n        link.addEventListener(\"click\", function(event) {\n          event.preventDefault();\n        });\n      }\n    });\n  });\n\n  observer.observe(document.body, { childList: true, subtree: true });\n\n  var link = document.querySelector(\".jet-breadcrumbs__item-link[title='Fondapi']\");\n  if (link) {\n    link.addEventListener(\"click\", function(event) {\n      event.preventDefault();\n    });\n  }\n});\n<\/script>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-245e8c01 e-flex e-con-boxed e-con e-child\" data-id=\"245e8c01\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5dd0d898 elementor-widget__width-auto elementor-widget elementor-widget-heading\" data-id=\"5dd0d898\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h6 class=\"elementor-heading-title elementor-size-default\">HOW IT WORKS<\/h6>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3d9e3161 e-flex e-con-boxed e-con e-parent\" data-id=\"3d9e3161\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-514a21b7 e-con-full e-flex e-con e-child\" data-id=\"514a21b7\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5c1d8b9 elementor-widget elementor-widget-heading\" data-id=\"5c1d8b9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Try the Fondapi simulator and discover the benefits of supplementary pension!<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6a7f528e elementor-widget elementor-widget-text-editor\" data-id=\"6a7f528e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\"><p>Pension is one of the most important aspects of a worker&#8217;s life. For this reason, it is important to understand pension calculation. This allows you to estimate the value of your monthly INPS check and better plan for your future.  <\/p><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2c1b9ca elementor-widget elementor-widget-button\" data-id=\"2c1b9ca\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/funds.previnet.it\/fondapi-w-psimula\/previdenziale.html#\/previdenziale%20\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Try it now!<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5a42cb6d e-con-full e-flex e-con e-child\" data-id=\"5a42cb6d\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7574b75a elementor-widget elementor-widget-image\" data-id=\"7574b75a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"1331\" height=\"2000\" src=\"https:\/\/www.fondapi.it\/wp-content\/uploads\/2024\/09\/calcolatore.webp\" class=\"attachment-full size-full wp-image-60738\" alt=\"\" srcset=\"https:\/\/www.fondapi.it\/wp-content\/uploads\/2024\/09\/calcolatore.webp 1331w, https:\/\/www.fondapi.it\/wp-content\/uploads\/2024\/09\/calcolatore-200x300.webp 200w, https:\/\/www.fondapi.it\/wp-content\/uploads\/2024\/09\/calcolatore-681x1024.webp 681w, https:\/\/www.fondapi.it\/wp-content\/uploads\/2024\/09\/calcolatore-768x1154.webp 768w, https:\/\/www.fondapi.it\/wp-content\/uploads\/2024\/09\/calcolatore-1022x1536.webp 1022w\" sizes=\"(max-width: 1331px) 100vw, 1331px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7aa0a273 elementor-hidden-mobile e-flex e-con-boxed e-con e-parent\" data-id=\"7aa0a273\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-57590f95 e-flex e-con-boxed e-con e-parent\" data-id=\"57590f95\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-47207fe1 e-con-full e-flex e-con e-child\" data-id=\"47207fe1\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-78cc998a elementor-widget elementor-widget-image\" data-id=\"78cc998a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"1333\" height=\"2000\" src=\"https:\/\/www.fondapi.it\/wp-content\/uploads\/2024\/09\/2149021640.jpg\" class=\"attachment-full size-full wp-image-60892\" alt=\"\" srcset=\"https:\/\/www.fondapi.it\/wp-content\/uploads\/2024\/09\/2149021640.jpg 1333w, https:\/\/www.fondapi.it\/wp-content\/uploads\/2024\/09\/2149021640-200x300.jpg 200w, https:\/\/www.fondapi.it\/wp-content\/uploads\/2024\/09\/2149021640-682x1024.jpg 682w, https:\/\/www.fondapi.it\/wp-content\/uploads\/2024\/09\/2149021640-768x1152.jpg 768w, https:\/\/www.fondapi.it\/wp-content\/uploads\/2024\/09\/2149021640-1024x1536.jpg 1024w\" sizes=\"(max-width: 1333px) 100vw, 1333px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-30bd84ae e-con-full e-flex e-con e-child\" data-id=\"30bd84ae\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-22b462fe elementor-widget elementor-widget-heading\" data-id=\"22b462fe\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">The Italian pension system<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-393fb1ed elementor-widget elementor-widget-text-editor\" data-id=\"393fb1ed\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>The Italian pension system is based on two pillars:<\/p><p>The <strong>first pillar<\/strong> is the public pension system, managed by INPS. In this system, the pension is calculated based on the contributions paid by the worker during their working career. <\/p><p>The <strong>second pillar<\/strong> is the supplementary pension system, managed by pension funds. In this system, the worker can choose, <a href=\"https:\/\/www.fondapi.it\/en\/tfr-to-pension-fund\/\">starting from the TFR<\/a>, to also pay additional contributions to those paid to the first pillar. <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3838fb8 elementor-widget elementor-widget-heading\" data-id=\"3838fb8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Public pension calculation<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f304c26 elementor-widget elementor-widget-text-editor\" data-id=\"f304c26\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>The calculation of the public pension is based on several factors. The main ones are: <\/p><ul><li><strong>Retirement age<\/strong>: the retirement age is the age threshold at which one can access the old-age pension. The retirement age is currently set at 67 years, but it is expected to increase in the coming years. <\/li><\/ul><ul><li><strong>Contribution years<\/strong>: contribution years refer to the number of years in which contributions have been paid into the pension system. The minimum contribution years to access the old-age pension is 20 years. <\/li><\/ul><ul><li><strong>Contributions paid to INPS<\/strong>: the amount of contributions paid to INPS is a fundamental variable in determining the future pension allowance.<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-176789fa elementor-hidden-mobile e-flex e-con-boxed e-con e-parent\" data-id=\"176789fa\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-591af93a e-flex e-con-boxed e-con e-parent\" data-id=\"591af93a\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-626b5a3 e-con-full e-flex e-con e-child\" data-id=\"626b5a3\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t<div class=\"elementor-element elementor-element-7d3c6eb e-con-full e-flex e-con e-child\" data-id=\"7d3c6eb\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-00c7cdc elementor-widget elementor-widget-heading\" data-id=\"00c7cdc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">The transition from the earnings-based system to the contribution-based system<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-0876542 e-con-full e-flex e-con e-child\" data-id=\"0876542\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t<div class=\"elementor-element elementor-element-cd9fbdb e-con-full e-flex e-con e-child\" data-id=\"cd9fbdb\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t<div class=\"elementor-element elementor-element-1995ee8 e-flex e-con-boxed e-con e-child\" data-id=\"1995ee8\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3080618 elementor-widget elementor-widget-heading\" data-id=\"3080618\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">1969<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1f909fe elementor-widget elementor-widget-text-editor\" data-id=\"1f909fe\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"wp-block-columns is-layout-flex wp-container-6 wp-block-columns-is-layout-flex\"><div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\"><p>The earnings-based system for calculating benefits came into full effect with the <a href=\"http:\/\/www.normattiva.it\/uri-res\/N2Ls?urn:nir:stato:legge:1969-04-30;153!vig=\" target=\"_blank\" rel=\"noreferrer noopener\">Law of April 30, 1969, n. 153<\/a>.<\/p><p>In the earnings-based model, the pension is commensurate with the salaries received in the last years of activity. The financial sustainability of the system essentially depends on the balance between active workers and pensioners. <\/p><\/div><\/div><div class=\"wp-block-columns is-layout-flex wp-container-9 wp-block-columns-is-layout-flex\"><div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\"><p>Over the years, the constant aging of the Italian population together with demographic trends have marked the crisis of the earnings-based model, initiating its review process.<\/p><\/div><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5821ae8 e-con-full e-flex e-con e-child\" data-id=\"5821ae8\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t<div class=\"elementor-element elementor-element-04f5c17 e-flex e-con-boxed e-con e-child\" data-id=\"04f5c17\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-31cbbfe elementor-widget elementor-widget-heading\" data-id=\"31cbbfe\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">1995<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8095a4f elementor-widget elementor-widget-text-editor\" data-id=\"8095a4f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>The <a href=\"http:\/\/www.normattiva.it\/uri-res\/N2Ls?urn:nir:stato:legge:1995-08-08;335!vig=\" target=\"_blank\" rel=\"noreferrer noopener\">Law of August 8, 1995, n. 335<\/a> on &#8220;reform of the mandatory and supplementary pension system&#8221; (known as the <strong>Dini reform<\/strong>) introduces the contribution-based calculation system, providing for its total application to all insured persons starting from January 1, 1996.<\/p><div class=\"wp-block-columns is-layout-flex wp-container-15 wp-block-columns-is-layout-flex\"><div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\"><p>The contribution-based system directly correlates what is paid in with what the individual will receive. The accumulated contributions are converted into an annuity through transformation coefficients calculated based on the retirement age and the consequent life expectancy. <\/p><\/div><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-120cfb7 e-con-full e-flex e-con e-child\" data-id=\"120cfb7\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t<div class=\"elementor-element elementor-element-898289d e-flex e-con-boxed e-con e-child\" data-id=\"898289d\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-31ebb3d elementor-widget elementor-widget-heading\" data-id=\"31ebb3d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">2012<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4307c67 elementor-widget elementor-widget-text-editor\" data-id=\"4307c67\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>The transition to this model was completed with the entry into force of the <a href=\"http:\/\/www.normattiva.it\/uri-res\/N2Ls?urn:nir:stato:legge:2011-12-22;214!vig=\" target=\"_blank\" rel=\"noreferrer noopener\">Law of December 22, 2011, n. 214<\/a> (known as the <strong>Fornero reform<\/strong>).<\/p><p>The contribution-based system was indeed extended to all seniority accrued from January 1, 2012, with the application of the &#8220;pro rata&#8221; calculation.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-9b77f30 elementor-hidden-mobile e-flex e-con-boxed e-con e-parent\" data-id=\"9b77f30\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-941101b e-flex e-con-boxed e-con e-parent\" data-id=\"941101b\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-117868b e-con-full e-flex e-con e-child\" data-id=\"117868b\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5a6595e elementor-widget elementor-widget-heading\" data-id=\"5a6595e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">How to simulate your pension<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-28466ac elementor-widget elementor-widget-text-editor\" data-id=\"28466ac\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tINPS provides a free online service (<a href=\"https:\/\/serviziweb2.inps.it\/AS0207\/SimScePen2\/#top\">Pensami<\/a>) to simulate your pension. This service allows you to know the date when you will be eligible for pension, the estimated amount of the pension, and the <strong>replacement rate<\/strong><sup class=\"fn\" data-fn=\"f283f52b-d7ee-4472-afb7-df4854920196\"><a id=\"f283f52b-d7ee-4472-afb7-df4854920196-link\" href=\"https:\/\/www.fondapi.it\/aderire-a-fondapi\/calcolo-della-pensione#f283f52b-d7ee-4472-afb7-df4854920196\">2<\/a><\/sup>. \t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2b93e6b e-con-full e-flex e-con e-child\" data-id=\"2b93e6b\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t<div class=\"elementor-element elementor-element-5b9c06b e-con-full e-flex e-con e-child\" data-id=\"5b9c06b\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t<div class=\"elementor-element elementor-element-9e37f7d e-con-full e-flex e-con e-child\" data-id=\"9e37f7d\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t<div class=\"elementor-element elementor-element-d6276e2 e-flex e-con-boxed e-con e-child\" data-id=\"d6276e2\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a576b3d elementor-widget elementor-widget-heading\" data-id=\"a576b3d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Pension simulator: <br>a useful resource<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2d689eb elementor-widget elementor-widget-text-editor\" data-id=\"2d689eb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>To get a clear view of your financial future in retirement, you can use a pension simulator.<\/p><p>A pension simulator is a useful resource for workers who want to plan their pension accurately. You can run different simulations to understand how prospects vary based on investment choices. This way, you will be better prepared to make informed decisions.  <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-e68396d e-con-full e-flex e-con e-child\" data-id=\"e68396d\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t<div class=\"elementor-element elementor-element-6481f15 e-flex e-con-boxed e-con e-child\" data-id=\"6481f15\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-078f9d0 elementor-widget elementor-widget-heading\" data-id=\"078f9d0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Supplementary pension calculation<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8bf03dd elementor-widget elementor-widget-text-editor\" data-id=\"8bf03dd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>The calculation of the supplementary pension is based on the sum of contributions paid by the worker and contributions paid by the employer. Each CCNL provides, against the minimum contribution of the worker, a contribution entirely from the company. In this regard, we remind you that contributions from the employer are due only in the case of membership in category pension funds.  <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-06938b1 e-con-full e-flex e-con e-child\" data-id=\"06938b1\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t<div class=\"elementor-element elementor-element-617d91d e-flex e-con-boxed e-con e-child\" data-id=\"617d91d\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-81fd9fc elementor-widget elementor-widget-heading\" data-id=\"81fd9fc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Planning for retirement<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0c77c7d elementor-widget elementor-widget-text-editor\" data-id=\"0c77c7d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>It&#8217;s important to plan your pension well in advance, so you can make the right decisions to ensure a peaceful future. Here are some tips for planning your pension: <\/p><ul><li><strong>Calculate your pension:<\/strong> the first step is to calculate the pension you will receive from the public pension system and the supplementary pension system.<\/li><\/ul><ul><li><strong>Assess your needs<\/strong>: think about how much money you will need to live on in retirement.<\/li><\/ul><ul><li><strong>Consider your financial situation<\/strong>: evaluate your savings and income.<\/li><\/ul><ul><li><strong>Make an investment plan<\/strong>: a pension fund is not the only way. But it is by far the most accessible! <\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-43375d9 e-con-full e-flex e-con e-child\" data-id=\"43375d9\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-9dc511a elementor-widget elementor-widget-heading\" data-id=\"9dc511a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Pension calculation: discover the Fondapi simulator<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3a59f7c elementor-widget elementor-widget-text-editor\" data-id=\"3a59f7c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>The Fondapi pension simulator is a very useful tool. It offers a wide range of features to help users plan their pension future accurately and in an informed manner. <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e06f188 elementor-widget elementor-widget-button\" data-id=\"e06f188\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/funds.previnet.it\/fondapi-w-psimula\/previdenziale.html#\/previdenziale%20\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Try it now!<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Home HOW IT WORKS Try the Fondapi simulator and discover the benefits of supplementary pension! Pension is one of the most important aspects of a worker&#8217;s life. For this reason, it is important to understand pension calculation. This allows you to estimate the value of your monthly INPS check and better plan for your future. [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":61143,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-60891","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.2 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Pension Calculation - Fondapi<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.fondapi.it\/en\/how-it-works\/employee-enrollment\/pension-calculation\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Pension Calculation - Fondapi\" \/>\n<meta property=\"og:description\" content=\"Home HOW IT WORKS Try the Fondapi simulator and discover the benefits of supplementary pension! Pension is one of the most important aspects of a worker&#8217;s life. For this reason, it is important to understand pension calculation. This allows you to estimate the value of your monthly INPS check and better plan for your future. 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