Kalkulyator pensionnyh ballov: points a year, the 30-point rule and the pension
Estimates only, not financial advice. What you type stays on your device. Checked against sources on 17 Oct 2026.Kalkulyator pensionnyh ballov (калькулятор пенсионных баллов) shows how many pension points (ИПК) your salary earns a year: 10 × yearly pay ÷ 2,979,000, at most 10. In 2026 each point pays 156.76 roubles a month and the fixed payment adds 9,584.69. On 80,000 roubles a month a year earns 3.223 points; 104.46 points mean a pension of 25,959.84 roubles.
2026 · Rates and rules read from the sources listed on this page (the earliest on 17 Oct 2026); they may have changed since.
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This calculator estimates a Russian old-age insurance pension from pension points (индивидуальный пенсионный коэффициент, ИПК), by Federal Law 400-FZ "On insurance pensions" and the 2026 values set by Law 350-FZ.
Points a year. The employer pays pension contributions on your salary up to the year's maximum base, 2,979,000 roubles in 2026. A year's points are 10 times your pay divided by that base, so 248,250 roubles a month or more earns the maximum of 10 points, and the minimum wage of 27,093 earns 1.091.
The pension. The insurance pension is the points times the cost of a point, 156.76 roubles in 2026, plus the fixed payment of 9,584.69 roubles a month. It needs at least 15 years of insurance and 30 points, and starts at 65 for men and 60 for women.
The rest of the article, and all 6 questions about Russia Pension Points Calculator (IPK) 2026, are on the Russia Pension Points Calculator (IPK) 2026 page.
A year's points equal 10 times the year's pay divided by the maximum base, 2,979,000 roubles in 2026. On 80,000 roubles a month that is 10 × 960,000 ÷ 2,979,000 = 3.223 points, and from 248,250 roubles a month the maximum of 10 points.
Law 350-FZ sets the cost of one point at 156.76 roubles from 1 January 2026, and the fixed payment at 9,584.69 roubles a month. A pension of 100 points is therefore 100 × 156.76 + 9,584.69 = 25,260.69 roubles a month.
The old-age insurance pension needs at least 30 points and 15 years of insurance, at 65 for men and 60 for women. On the minimum wage, which earns 1.091 points a year, reaching 30 points takes 28 years of work.
Future point costs and maximum bases are not known, so every year is valued at 2026 figures. That assumes your salary grows with the maximum base and the point's cost with indexation, which gives a pension in today's money rather than a nominal future figure.
Rates and rules change; check the source before you rely on a figure.
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