Retirement Simulator for Italy

All amounts are in today's purchasing power: nominal returns are deflated by the inflation assumption and contributions are held constant in real terms. INPS pension (legge 335/1995, legge 214/2011, INPS circolare 28/2026): the career is read from a pay path in today's money (today's RAL grown by the entered real rate until work stops, the same growth backwards for the years so far, one calendar year per year of contributions, gaps at the start of the career); the years of contributions are entered or estimated from age 24; a riscatto della laurea adds its years before the first year of work, valued like worked years (ordinary) or at 33 % of the artigiani minimale a year in the contributivo (agevolato). The regime follows the first year of contributions: contributivo puro from 1996, sistema misto before (quota A for the years to 1992 at 2 % a year of the last five years' pay, revalued by prices plus one point a year to the claim, quota B for 1993 to 1995, or to 2011 with 18 years at the end of 1995, at 2 % of the last ten years', both tapering to 1.6, 1.35, 1.1 and 0.9 % above 56,224 EUR and capped at 80 %). The montante is the pay (capped at the massimale of 122,295 EUR for contributivi puri and Gestione separata members, at 93,707 EUR for artigiani and commercianti insured before 1996) times the aliquota di computo of the worker type (33 % employees, 24 % artigiani, 24.48 % commercianti, 25 % Gestione separata), revalued by the entered real GDP growth to the claim, or the entered montante for the years so far; the pension is the montante times the coefficiente di trasformazione of the claiming age (decreto 20 novembre 2024 for 2025 and 2026: 4.204 % at 57 to 6.510 % at 71, interpolated by months) plus the retributivo quotas, paid 13 times a year and revalued by prices (fully up to four minimums, 90 % to five, 75 % above). The requirements of the claim year come from the published table (vecchiaia 67 in 2026, 67 anni e 1 mese in 2027, 67 anni e 3 mesi in 2028; anticipata 42 anni e 10 mesi, 41 e 10 for women, plus one and three months; anticipata contributiva 64 and 20 years; vecchiaia contributiva 71 and five years) and after 2028 from the entered life-expectancy drift applied in biennial steps of at most three months; the coefficients of later bienniums lengthen each age's divisore by the same gain in life expectancy at the 1.5 % technical rate of the table. Routes: vecchiaia at the età with 20 years (contributivi puri need a pension of at least the assegno sociale, 546.24 EUR a month in 2026, else 71; contributive mothers four months earlier per child, at most twelve), anticipata ordinaria with the contributions plus the three-month finestra, anticipata contributiva at 64 with 20 years and a pension of three assegni sociali (2.8 and 2.6 for mothers; 3.2, 3 and 2.8 from 2030), capped at five times the trattamento minimo (611.85 EUR a month in 2026) until the età di vecchiaia, lavori gravosi at 66 anni e 7 mesi and 42 anni e 10 mesi frozen with 30 years, Quota 41 for the lavoratori precoci (41 years at any age, adjusted from 2027), APE sociale from 63 anni e 5 mesi with 30 years (36 for the lavori gravosi) at most 1,500 EUR a month 12 times a year until the pension. Integrazione al minimo for the sistema misto, assuming no other income. The INPS "La mia pensione futura" figure calibrates the montante so far at the età di vecchiaia with the pay held flat. IRPEF (TUIR as amended by legge 199/2025): one return per person, the 2026 brackets (23 % to 28,000, 33 % to 50,000, 43 % above), the detrazione per redditi di pensione or da lavoro dipendente whichever is higher, the bonus and the ulteriore detrazione of the taglio del cuneo on a working partner's pay, the detrazione per coniuge a carico when the spouse's income is under 2,840.51 EUR, the addizionale regionale of the chosen region (the 2025 schedules interpolated between 20,000 and 40,000 EUR of income, the average of the twenty regions by default) and the addizionale comunale of your comune (0.65 % the national average by default) less the entered detrazioni per oneri within the IRPEF due, the scale held nominal for five years and at its real value after. A working partner pays the IVS contribution of their worker type as a cost, on the pay up to the massimale when first insured from 1996. Fondo pensione and PIP (d.lgs. 252/2005, COVIP): returns after the 20 % tax; at the pension, or from retirement through the RITA when work stops within five years of the età di vecchiaia with five years of membership, as a rendita at the entered conversion rate fixed in nominal terms, as half capital and half rendita, or as capital (100 % only when 70 % of the position as a rendita would pay under half the assegno sociale); the benefit taxed at 15 % less 0.3 points per year of membership beyond fifteen counted from 2007 (the years before it at most 15), floor 9 %, on the contributed share (today's balance times the entered share plus the contributions deducted from now on, up to the cap, and the TFR paid in, nominal; contributions above the cap join the exempt returns); the entered 2001 to 2006 share under tassazione separata as capital (floor 23 %) and as ordinary income as a rendita; the capital net joins the brokerage account; the RITA is a pot drawn first. TFR in the company: 6.91 % of the pay a year, revalued at 1.5 % plus 75 % of inflation less the 17 % tax, paid at the end of work under tassazione separata at the average gross IRPEF rate of the five years before the cessation, as the Agenzia reliquidates it (the reference-income rate, the TFR times twelve divided by the years of service, when no pay fell in them), the net joining the brokerage account; or paid into the fund. Brokerage account: 26 % on the gain share of each sale (12.5 % on the entered share of government bonds), the cost basis from the entered unrealised gain plus the savings from now on, bases nominal so inflation gains are taxed as in law; 33 % on the entered share of crypto-assets. PIR: exempt when it reaches five years by retirement, else taxed like the brokerage account, contributions capped at 40,000 EUR a year. The headline income is the highest level monthly spending, in today's money, that the year-by-year run can finance to the plan age without a shortfall in any year; the run at your actual target reports the age at which the capital runs out. A partner is simulated on the first person's age scale with their own record, pay, claiming age and fund, on their own return. Survivor scenario: from the death the deceased's pension stops and the pensione ai superstiti pays 60 % of the pension in payment (of the pension the record had earned, when the death comes before the claim), reduced by 25, 40 or 50 % when the survivor's own income exceeds three, four or five times the trattamento minimo a year, their unpaid fund is paid out, the return is a single person's and spending steps down to the entered share. Not modelled: the casse professionali, cumulo and totalizzazione, contributi figurativi (enter them in the years), Quota 103 and Opzione donna (not renewed for 2026), the edili's 32-year APE, working on a pension, remarriage. Estimates only, not financial or tax advice. Signed-in users are prefilled from their profile, pension accounts and portfolio snapshot; until confirmed on the profile, the gross salary is estimated as the monthly net income times 12 divided by 0.72.