Retirement Calculator
Calculate your official benefit projection.
Connecting to the System…
Accessing social security databases…
Checking inflation adjustments for 2026…
Estimated Monthly Value:
⚠️ NOTICE: New tax rules for 2026 may reduce this value by 14%. Would you like to receive the Benefit Protection Guide?
Click below to read the urgent alert about the 2026 Reform:
New updated rules: Check them out below.
The new retirement rules for 2026 bring changes to the points system and the progressive minimum age. For men, the points increase to 103 and the age to 64 years and 6 months. For women, the points increase to 93 and the age to 59 years and 6 months. Use our updated calculator to check your eligibility for benefits in 2026.
Why Did the Retirement Rules Change in 2026?
If you are planning to stop working, the scenario in 2026 requires extra attention. Since the Pension Reform, there have been annual triggers that alter the requirements. In 2026, new thresholds will come into effect for those who are in the transition rules.
What changed in the INSS (Brazilian National Social Security Institute) in 2026? (Quick Table)
To make it easier for you to read, we have organized the main changes that our calculator already processes automatically:
| Transition Rule | Requirement Men (2026) | Requirement Women (2026) |
| Points Rule | 103 points (Age + Contribution) | 93 points (Age + Contribution) |
| Progressive Minimum Age | 64 years and 6 months | 59 years and 6 months |
| Contribution Time | 35 years (minimum) | 30 years (minimum) |
| Toll 100% | Fixed age: 60 years | Fixed age: 57 years |
Important Note: The rules of Toll (50% and 100%) and the Urban Age-Based Retirement (65 years for men and 62 for women) remain the safest age ranges for many Brazilians this year.
How to use the 2026 Retirement Calculator?
Our tool was designed to be intuitive. To get the exact result, you will need to provide:
- Your current age: (years and months).
- Total contribution time: Consult your CNIS statement on the "Meu INSS" portal.
- Start date for contributions: to determine if you qualify for acquired rights prior to 2019.