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Private individuals
iPension, your pension simulation in Luxembourg

Employees in Luxembourg are usually aware that the pension system is based on the so-called Three Pillars.

The 1st pillar is made up of public pensions, paid by the Caisse Nationale d'Assurance Pension (CNAP). It is financed by the social contributions levied on all salaries, as well as by all employers and the State.

The 2nd pillar is optional and depends on whether employers have put a voluntary contribution system in place as part of their employee benefits scheme for their staff.

The 3rd pillar is made of personal voluntary contributions. Everybody can decide to invest his/her money, for example in a pension savings plan, some of whom are deductible in accordance with article L.I.R. 111bis.

As you may guessed, iPension is only about 1st Pillar.

iPension is intended for employees in Luxembourg who have started their career either in Luxembourg, France, Germany or Belgium. In only a few seconds, they can obtain a realistic simulation of the pension that the Luxembourg CNAP will pay them.

What will be your luxemburgish pension? "I will accompany you throughout the calculation and will be available to answer any questions you may have. Firstly, I want to ask you two personal questions."
Your name helps us to personalize the calculation and to contact you later if necessary. Find out more on how we use personal information
"Nice to meet you{{name}}! Now let's start with your personal calculation. If you are unsure or unfamiliar with a term, use the additional information marked with a *
Let's start. Before we continue with information about your career I need one more info about."
"Ok{{name}}. Next I need a few information about you career. Please answer the following six questions."
Luxembourg France Belgium Germany Other country
Information about first salary
13th salary
Information about first salary
13th salary
Information about last salary
13th salary
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Before I can show you your simulation, I have 2 final questions about your pension plans.
Information about retirement age
Information about monthly investment
Other countries

If you have a career in countries other than those listed above, iPension will not be able to reconstitute your acquired rights. However, you can already use iPension to simulate the Luxembourg part of your career.