Pension points in Russia: points a year from your salary and the pension at 2026 values
Estimates only, not financial advice. What you type stays on your device. Checked against sources on 17 Oct 2026.A Russian insurance pension is the pension points (IPK) times 156.76 roubles plus a fixed payment of 9,584.69 roubles a month in 2026. A year earns 10 × yearly pay ÷ 2,979,000 points, at most 10. On 80,000 roubles a month that is 3.223 points a year, and 104.46 points pay 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.
Type your official monthly salary before tax.
Enter the years you still plan to work, and the points and years of insurance from your Social Fund statement.
Add children you cared for and army service, if any.
Read the points a year, the total and the monthly pension at 2026 values.
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.
Points without pay. Caring for a child up to 1.5 years old earns 1.8 points a year for the first child, 3.6 for the second and 5.4 for the third and fourth, so 2.7, 5.4 and 8.1 points per child. A year of conscript army service earns 1.8 points. These periods also count as years of insurance.
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.
Your starting point. The points and years you already have are in your Social Fund (SFR) statement on Gosuslugi; type them in and add the years you plan to work. The calculator also shows how many years at your salary reach 30 points.
The simplifications. Every future year is valued at 2026 figures, as if your salary rose with the maximum base and the point's cost with prices, so the result is in today's roubles. Bonus coefficients for retiring later, the higher fixed payment for dependants or the north, early retirement and the funded pension are left out. The texts were read on 17 October 2026.
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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.
Each period of caring for a child up to 1.5 years earns points: 1.8 a year for the first child, 3.6 for the second and 5.4 for the third and fourth. That is 2.7, 5.4 and 8.1 points per child, up to 6 years in all.
The Social Fund (SFR) statement on Gosuslugi or the SFR website lists the points and years of insurance earned so far, including the pre-2015 rights converted to points. Typing those figures in makes the estimate start from your real record.
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.
Still stuck? Ask about Russia Pension Points Calculator (IPK) 2026 and anybody who knows can answer. No account needed.
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