Poland's ZUS calculates future pensions for 12 million Poles aged 40-50

Poland's Social Insurance Institution (ZUS) has released detailed pension projections for approximately 12 million Poles currently in their 40s and 50s. These future pension amounts, calculated based on data for 2025, are now accessible to the public.

Following a revaluation in June, the value of retirement accounts and initial capital increased by 9.81%, while funds in sub-accounts rose by 10.61%. Individuals can check their projected pensions through the eZUS online platform or the mZUS mobile application. The information provides a snapshot of their potential retirement income based on current contributions and economic factors.

The newspaper "Fakt" has prepared simulations illustrating the necessary gross salaries for today's 40-year-olds to achieve specific monthly pension targets. For instance, a 40-year-old woman aiming for a 4,000 PLN pension would need to earn approximately 11,257 PLN gross monthly, while a man with the same goal would require 5,893 PLN. These figures escalate for higher pension aspirations, with a 7,000 PLN target requiring monthly earnings of 22,145 PLN for women and 12,338 PLN for men.

Similar simulations have been conducted for 50-year-olds, factoring in a higher average initial capital. For a 4,000 PLN monthly pension, a 50-year-old woman would need a gross salary of 9,792 PLN, and a man 5,215 PLN. The calculations highlight the significant income levels required to secure desired retirement funds, especially for those closer to retirement age.

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The value of retirement accounts and initial capital increased by 9.81%, and funds in sub-accounts by 10.61%.