The Social Security Pension Simulator has been upgraded with new features that allow beneficiaries to see when they can retire with or without penalties, announced the Social Security Institute (ISS).
“The Pension Simulator, available on the Social Security Portal, now offers even more features to help you plan your retirement more effectively. This update aims to simplify and make more transparent the decision-making process regarding the best date to access your pension,” stated the announcement released by the ISS.
What has changed?
The Social Security explains that “in addition to presenting the legal age and pension value, the new simulator now also displays all available options for accessing the pension based on the individual’s contribution career and age.”
Thus, the simulator immediately provides answers to the following queries in terms of date and value:
- Early retirement: “When can I retire as early as possible, even with a penalty?”
- Penalty-free retirement, if applicable: “And when can I retire as early as possible without penalties?”
“This enhancement in the simulator allows citizens to reduce uncertainties and plan their future more effectively, offering immediate answers to the most frequent questions about the retirement date, delivering a highly useful digital service,” the Social Security website asserts.
How to access the Pension Simulator?
According to the public body, the Pension Simulator is available on the Social Security Portal, under the ‘Simulators‘ menu – or through this link.
The pension simulator, it should be noted, “allows you to estimate the value of your old age or disability pension.”
“The simulation can aid decisions about your professional life, contribution career, and retirement timing, considering possible penalties or bonuses. The calculated value depends on the available information from your contribution career,” as noted on the platform.
Social Security also advises considering the following before starting the simulation:
- The results and values from the simulation are informational only and non-binding
- The simulation is performed based on the rules in force at the time and with data available in the Social Security’s IT system
- You can choose to simulate with or without a salary increase estimate
- In future salary projections, they are aligned with inflation (0.5% inflation rate), with an additional real appreciation (real growth) of 0.5%.
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With the automatic simulation option, you can:
- know the estimated value of your old-age pension from the age at which you can retire, based on the salaries in the system and projections of them until that age is reached
- choose whether the projection should include a salary increase.
With the manual simulation option, you can:
- enter or modify data about your contribution career (if applicable, regarding military service or periods completed in other social protection systems)
- choose other options such as early retirement due to unemployment or professions with age limits
- define parameters like growth rate or inflation rate
- simulate the old age and relative or absolute disability pension.
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