Retirement Calculator – Türkiye
Plan in TRY with SGK old-age pension context, country-specific retirement ages, and retirement plans commonly used in Türkiye.
For many employees first insured after 30 April 2008 and meeting the contribution-day requirement by the end of 2035, the reference ages are 58 for women and 60 for men. Earlier cohorts and EYT rules differ materially.
For common 4/a employee cases under Law 5510, 7,200 premium days is a key threshold; age requirements rise gradually for later completion dates and special rules apply by insurance start date.
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Türkiye Retirement System At A Glance
Eligibility Framework
For many employees first insured after 30 April 2008 and meeting the contribution-day requirement by the end of 2035, the reference ages are 58 for women and 60 for men. Earlier cohorts and EYT rules differ materially.
Contribution And Benefit Rules
For common 4/a employee cases under Law 5510, 7,200 premium days is a key threshold; age requirements rise gradually for later completion dates and special rules apply by insurance start date.
What Makes Retirement Planning In Türkiye Different?
Türkiye’s SGK retirement conditions can depend strongly on the first insurance date, contribution days and worker category. The standard age in a generic profile cannot substitute for that service history, so verify entitlement before using the pension amount.
Before You Rely On The Result: Confirm the first insured date, premium days and the applicable SGK category before relying on a retirement age or pension estimate.
Common Retirement Plans In Türkiye
Public And Workplace Plans
- SGK old-age pension
- Mandatory SGK insurance
- Automatic enrolment private pension where applicable
Personal Retirement Options
- BES private pension
How A TRY Retirement-Income Gap Works
This example is hypothetical and is not an estimate of a SGK old-age pension benefit. Suppose a retiree plans to spend TRY 100,000 per month and has a verified public-pension estimate of TRY 35,000 per month. The personal savings and other retirement income would need to cover the remaining TRY 65,000 monthly gap before taxes, fees, or any other household income.
That gap—not the full spending amount—is the figure the retirement model should ask personal savings to support when the pension starts at the same time as retirement. If the pension starts later, calculate the bridge years separately without assuming that income is already available.
How To Use This Türkiye Retirement Calculator
Start with current savings, regular contributions, planned retirement age, and expected retirement spending. Enter a public-pension amount only when you have an official or well-supported estimate for SGK old-age pension. The calculator keeps the projection in TRY and uses the profile above to provide retirement-planning context.
The standard planning ages shown on this page are reference points, not personal recommendations. Birth date, contribution history, occupation, residence, special-service rules, and transition provisions can change the age or benefit that applies to an individual.
- Start with the standard planning age, then replace it if your official record shows a different eligible age.
- Enter a verified public-pension estimate instead of assuming a fixed percentage of salary.
- Keep balances, spending, and income in TRY unless you intentionally model a cross-border scenario.
- Test a conservative case as well as your central case for inflation, investment return, and retirement spending.
What To Check Before Relying On A Türkiye Retirement Estimate
- Age Rule: The profile uses 60 for men and 58 for women as standard planning references where applicable.
- Earlier Access: Highly dependent on first insurance date. Earlier financial retirement does not automatically mean a full public pension is available.
- Contribution Record: The profile does not reduce eligibility to one universal contribution-year threshold; verify the rule that applies to your record.
- Official Source: Confirm current entitlement, benefit amounts, and transition rules with Sosyal Güvenlik Kurumu (SGK).
Keep Currency, Pension Start Dates, And Savings On The Same Basis
Choosing Türkiye changes the calculator’s currency labels and stored pension context; it does not convert an existing balance at a foreign-exchange rate. If some savings are held in another currency, use a consistent conversion date and test an adverse exchange-rate scenario separately.
The calculator also assumes that outside retirement income entered in the form begins at retirement. If SGK old-age pension starts later than your planned retirement date, model the bridge period without that income and then model the later phase separately.
Use the Retirement Budget Guide to build the spending input and the Retirement Inflation Guide to keep purchasing power consistent.
Continue Your Retirement Plan
Compare Retirement Systems In The Same Region
Compare a small set of retirement systems in Europe & Eurasia, or use the country hub to browse every supported profile.
Türkiye Retirement Calculator FAQs
What retirement system does Türkiye use?+
SGK old-age pension is the public retirement system used in this profile. The page also separates it from Mandatory SGK insurance and BES private pension so public pension income is not confused with invested retirement assets.
What retirement age should I use for Türkiye?+
The profile uses men 60 and women 58 as standard planning-age references. Your own age can differ because birth cohort, contribution history, occupation, residence or transition rules may apply.
Can I retire earlier in Türkiye?+
The profile lists earlier access as: Highly dependent on first insurance date. That describes a rule or planning route, not a guarantee of a full public pension. Confirm the conditions with Sosyal Güvenlik Kurumu (SGK).
Does this calculator determine my exact SGK old-age pension benefit?+
No. The calculator uses a benefit amount that you enter. Exact entitlement can require records that this website does not have, so use a current statement or estimate from Sosyal Güvenlik Kurumu (SGK) whenever possible.
Why does the calculator use TRY?+
Keeping balances, contributions, spending and retirement income in TRY prevents accidental mixing of currencies. The calculator does not perform foreign-exchange conversion when you change the country profile.