Help How to calculate your pension
A detailed, step-by-step guide for the Pension. No technical knowledge is needed — just follow the steps in order.
- Your (Taxisnet) credentials to log in to efka.gov.gr
- Your ΑΜΚΑ (Social Security Number)
- Your date of birth
- An estimate of the date you intend to retire
The steps
Fill in the basic details
In the "Calculation", tab, fill in your date of birth and the retirement date you intend (you can always change it later and redo the calculation).
Download the "Detailed Insurance History" from e-ΕΦΚΑ
This is the most important step — it gives the application all your actual insurance data, so that the calculation is as accurate as possible.
2a. Type into Google: "detailed insurance history ΕΦΚΑ"
2b. On the first result ("Summary and Detailed Insurance History"), click "Enter the service".
2c. You will be taken to the login page of Taxisnet — enter your Username and Password.
2d. On the next screen, fill in your ΑΜΚΑ and click "Login".
2e. Your details will appear — click on the top right "Print Detailed Insurance History".
| ΑΜΚΑ | 15036400000 | ΑΦΜ | 000000000 |
| Surname | PAPADOPOULOS | First name | GIANNIS |
2f. On the next page, below your details, click the button again "Print Detailed Insurance History" — — the file PDF is automatically saved to your "Downloads" (Downloads) folder on your computer.
The file is saved to "Downloads"
Select "Detailed Insurance History" in "Source of Avg. Pensionable Earnings"
In the "Calculation" tab there is an option that indicates where your average earnings will be drawn from. Select "Detailed Insurance History" — — this is necessary before the next step, because only this way does the "Detailed Insurance History" tab appear, which you'll need to upload the file.
Upload the file to the application
Now that it has appeared, go to the "Detailed Insurance History" tab and click the blue button "Import ΕΦΚΑ Insurance History". Select the PDF you downloaded in step 2. The application will automatically read all your data.
Click here and select your PDF
Inside the "Detailed Insurance History" tab there is the sub-tab "Insurance Days" — a table with one cell per month/year, showing how many insurance days (stamps) are recorded for you. The color of each cell immediately shows you where there might be a problem:
| 0 | Grey — no day has been recorded for that month (possible insurance gap). |
| 7 | Yellow/orange — fewer than 25 days (partial month; e.g. hired/left during the month, or some stamps are missing). |
| 25 | No color — full month (25 days), no check needed. |
If you have even a single day in Heavy and Unhealthy Occupations throughout your career, the table automatically shows separate "Normal" and "Heavy" columns for each month, plus a final "Total" column — this way you see separately how many days were normal and how many were heavy. If you have no Heavy days at all (as in the example above), these columns don't appear at all, so the table doesn't fill up with empty cells.
If you don't have (or don't want to use) the e-ΕΦΚΑ Insurance History, you can enter your earnings yourself, year by year. In "Source of Avg. Pensionable Earnings" (step 3), instead of "Detailed Insurance History" select "Create Earnings File" — — the "Earnings".
| Year | Working days | Gross earnings (€) |
|---|---|---|
| 2023 | 300 | 14.500,00 |
| 2024 | 300 | 15.100,00 |
| 2025 | 300 | 15.600,00 |
You have two ways to fill in the table:
- Manually — type the days and earnings for each year directly into the corresponding cells of the table.
- With Excel — click "Export" to download a ready-made Excel file with the years, fill in/correct it on your computer, and then click "Import from Excel" to reload it into the application. It accepts either a simple format (Year / Days / Earnings) or the format that the application itself exports (with separate columns for Normal/Heavy).
When you're done, click "Update pension earnings" to calculate the Avg. Pensionable Earnings from the table data, and continue normally with Step 5 below.
Click "Calculate"
At the bottom of the "Calculation" tab, click the large button:
Read the result
The application automatically takes you to the "Analysis", tab, where the estimate of your pension is shown — in detail, from the gross amount to the final amount you'll receive each month:
| MAIN PENSION (National + Contributory) | 996,40 € |
| SUPPLEMENTARY PENSION | 95,10 € |
| Health contributions 6% | -65,49 € |
| Special Pensioner Solidarity Contribution (ΕΑΣ) | -12,30 € |
| Salaried Services Tax | -38,20 € |
| Payable balance (net amount after deductions) | 975,51 € |
- National pension — a fixed basic amount, the same for everyone (reduced if you have fewer than 40 years of residence in Greece or fewer than 20 years of insurance).
- Contributory pension — calculated from the average of your earnings and your years of insurance; the more years you worked and the higher your earnings were, the larger it is.
- Supplementary pension — shown only if you filled in "Supplementary" time in the form (e.g. ΕΤΕΑΕΠ).
- Health contribution 6% and ΕΑΣ — mandatory deductions on the main+supplementary pension, the same for all pensioners.
- Salaried Services Tax — calculated on the taxable amount (after contributions), reduced depending on the number of your children.
- Payable balance — the actual net amount you will receive; it's the same number shown in the box "Summary" below the button "Calculation".
The remaining form fields
If you selected "Detailed Insurance History" in Step 3-4, most of these values are filled in automatically. You only need to fill them in yourself if you selected "Create Earnings File" or "Fixed amount", or if you want to correct something.
How many years, months and days you have worked in total — separately for Greece and Europe (work in another EU country also counts, based on European regulations).
Of which Heavy: how many of those years were in Heavy & Unhealthy Occupations (ΒΑΕ) — they entitle you to retire earlier. If you have uploaded the Insurance History, it is filled in automatically.
"Notional years" are time you did not actually work, but the law allows to be counted as if you had worked (e.g. military service, studies, children, unemployment time).
- Without buy-back — recognized free of charge (e.g. time for children).
- With buy-back — you must pay to have it recognized (e.g. military service, studies).
If you have "With buy-back" time, additionally fill in: the Branch of insurance (ΙΚΑ/ΟΤΕ/ΔΕΗ), whether you will pay as a lump sum or in installments, , and the gross earnings of the previous month (used to calculate the cost of the buy-back).
- Type of insured person — "Old" if you were first insured before 1/1/1993, otherwise "New". This affects some calculation limits.
- Check maximum insurance class — if "YES", each year's earnings are capped at the maximum limit (class) that applied that year, before being included in the average; if you're not sure, leave it as "YES" (this is the default that follows the law).
- Supplementary — the years/months/days you had supplementary insurance (e.g. ΕΤΕΑΕΠ). If it is zero, no "Supplementary pension" line will appear at all in the result.
Work Forecast
The "Work Forecast" estimates how much your pension will be if you continue working until a future date you set — beyond your current, actual data. It automatically fills in the days and earnings that will be "missing" until that date, with an estimated annual salary increase and an estimated CPI adjustment. It is always a separate, parallel result — it never changes the actual calculation based on your current data.
In the "Calculation" tab, below the remaining fields and before the "Calculate pension" button, click the button "Work Forecast" to open the panel:
- Until date — until when you want the forecast. You can check "Age 62" or "Age 65" check to have the application fill it in automatically based on your date of birth.
- Annual earnings increase (%) — leave "Automatic" checked to have it calculated on its own from your most recent actual years, or uncheck it and enter your own percentage.
- Annual forecast CPI (%) — the same, for the estimated price adjustment.
Finally, click "Calculate with forecast" (inside the panel) or the regular "Calculate pension".
In the "Analysis" tab, there now appear two tables side by side:
| Payable balance | 780,20 € |
| Payable balance | 1.024,90 € |
Additionally, in the "Earnings", "Pension Earnings from History" and "Insurance Days" tabs, additional forecast rows/totals appear with a light blue background, always separate from your actual data. The same applies to the Excel exports — the forecast rows have a light blue background, with separate "ACTUAL" and "FORECAST" totals.
Open the "Work Forecast" panel again and uncheck "Enable work forecast", then click again "Calculate pension". The "Analysis" tab will return to the simple, single table — simply unchecking it is not enough on its own, a new calculation is needed.
Frequently asked questions
- First calculate normally with "Detailed Insurance History" (Steps 3-5) and see which months/years are missing in the "Insurance Days" table.
- Go to the "Earnings" tab and click "Export" to download the full grid as Excel.
- Open the file and fill in (or add new rows for) the missing daily wages/earnings.
- Change "Source of Avg. Pensionable Earnings" to "Create Earnings File" and click "Import from Excel" to upload the corrected file.
- Click "Update pension earnings" and then "Calculate".