When can I retire?
Future Me works out the age at which you start receiving your state pension and shows your income and costs at each age.
What is your retirement age and will your income cover your costs in later life?
Future Me works out your retirement age and shows whether your income covers your costs in later life. Go through your decisions by age and see the effect of each.
You log in with Smart-ID, mobile-ID or an ID card.
How much money will I have in later life?
Future Me shows your income and costs in later life year by year: state pension and II and III pillar payouts on one side, costs on the other. You see your own amount after entering your data.
How do payouts work and how much will I get per month?
You can use your II and III pillar savings as monthly payouts. Future Me shows from your data how much you get per month and how income tax affects it.
Which decisions are ahead of you?
Future Me takes you through your decisions by age and shows the effect of each on the end result.
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0-55
Saving
How much have you saved so far?
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55
III pillar, if you started saving before 2021
What will you do with your III pillar savings?
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60
Payouts
What will you do with your II and III pillar savings?
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65
Retirement age
Do you take your state pension earlier or later?
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66+
Later life
How long do your payouts last?
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Result
Does your income cover your costs in later life?
Ages are as of 2026. Retirement age depends on your year of birth, so your ages may differ: Future Me works them out from your data.
Meet your future self
What should you do with your II and III pillar? See how each choice affects your income in later life and whether it covers your costs.
You log in with Smart-ID, mobile-ID or an ID card.
Frequently asked questions
Who is Future Me for?
Anyone who wants to know whether their income will cover their costs in later life. You do not need to be an expert or save with Tuleva.
What are retirement age and flexible pension?
Retirement age is the age at which you gain the right to a state old-age pension. With the flexible pension you can start receiving it earlier or later. Future Me works out this age and shows you your options.
What are the state pension and the II and III pillar?
The state pension, or I pillar, is a monthly amount guaranteed by the state. Part of your salary goes to the II pillar, and you make III pillar contributions yourself, with an income tax benefit on up to 15% of your gross income, but no more than 6,000 € a year. Your II and III pillar savings can be inherited.
How do I withdraw my II and III pillar money?
You withdraw II and III pillar money with an application: as monthly payouts, also known as a funded pension, or as partial payouts. On favorable terms you can withdraw from the II and III pillar 5 years before your retirement age, and from the III pillar from age 55 if you started saving before 2021. If the fund payouts last at least your statistically remaining years, they are free of income tax. Future Me shows how your chosen payout type and income tax affect your income in later life. Read about pension payouts
Can I work while receiving a pension?
Yes. Reaching retirement age does not mean you have to stop working: if you keep working, part of your salary still goes to the II pillar, and you can keep contributing to the III pillar. If you keep contributing, money is added to your II and III pillar, which can increase your future payouts. Once you start II pillar payouts, your II pillar contributions stop for good, but you can keep paying into the III pillar.
