State pension

What the pension is made of

The old-age pension is calculated from your own average monthly insured income across your whole working life, multiplied by an accrual percentage for each year of insured service — 1,2 % for each year up to the required service, 2 % for each year beyond it (Legea nr. 156/1998, art. 16 and Anexa nr. 4).

This section is independent, for your own reference. It works from the rules and figures in force for 2026, under Legea nr. 156/1998 and the instruments cited on each page. It is not an official CNAS notice and has not been through our final sign-off.

Where to start

• Pension age — 63 years for men, and a transition still under way for women.
• How the pension is calculated — average insured income, the accrual rates, and the guaranteed minimum pension.
• Early retirement — what we found, and did not find, in the law.
• FAQ — short answers.

Qualifying for the ordinary pension

The right to a pension turns on insured service at two different thresholds: a minimum service of 15 years, below which nothing is payable on this route at all, and a full service requirement — 34 years for men, 34 years for women — required alongside the standard pension age (Legea nr. 156/1998, art. 15). The law also provides a separate early pension conditioned solely on insured service, a different mechanism that this section does not cover.