Mandatory pension

Pension schemes

Compulsory pension

Mandatory pension insurance or Pillar 2 is mandatory for all employees born after 1 January 1962. Employees are insured by mandatory pension funds through employer contributions, and yield is generated based on the investment of funds accumulated in the members' accounts. You can claim a pension from Pillar 2 after claiming a pension from Pillar 1. Pension insurance companies pay pension benefits from Pillar 2, but if pensioners opt for a Pillar 1 pension, their savings are transferred to the state budget and the payment is made by the Croatian Pension Insurance Institute.

Compulsory pension

Pension types

You may receive pension benefits from Pillar 2 after claiming a Pillar 1 pension paid by the Croatian Pension Insurance Company (HZMO). Your pension type will be determined by way of a HZMO decision.

The Croatian Pension Insurance Company (HRMOD) offers the following pensions within the framework of Pillar 2:

Click on the icon for more information

Monthly old age lifelong pension or early age pension:

Old age pension provides a monthly lifelong pension benefit to the pension beneficiary. An insured person becomes eligible for an old age pension when they reach the age of 65 and 15 years of pensionable service. A long-term insured person becomes eligible for an old age pension when they reach the age of 60 and have been insured for 41 years. An insured person becomes eligible for an early age pension when they reach 60 years of age and 35 years of pensionable service.

In the transitional period until 2029, women may claim an old age and early age pension under more favourable conditions, with a lower age limit:

Table Eligibility for old age and early age pension

Year of retirement	Old age pension		Early old-age pension
	Women	Men	Women	Men
2022	63	65	58	60
2023	63+3	65	58+3	60
2024	63+6	65	58+6	60
2025	63+9	65	58+9	60
2026	64	65	59	60
2027	64+3	65	59+3	60
2028	64+6	65	59+6	60
2029	64+9	65	59+9	60

Starosna mirovina iz drugog stupa

Compulsory pension

HRMOD's pension schemes for mandatory pensions from Pillar 2

For more information click LINK

Old-age / early old-age pension

No guarantee period

With guarantee period

One time refund

Single pension

Classic

Classic plus

Direkt

Joint

Partner

Partner plus

Direkt plus

Koji oblik isplate starosne mirovine izabrati?

Compulsory pension

What type of pension can you set up?

Pension beneficiary status

Single pension

Individual lifelong pension with a guarantee period

Joint

Joint lifelong pension with a guarantee period

No spouse at the moment of retirement

Must choose

Cannot choose

With a spouse younger than 50, unemployed and not generating other earnings

Cannot choose

Must choose and designate his/her spouse as a designated beneficiary

Cannot choose

With a spouse younger than 50, employed or generating other earnings

Can choose with the spouse's approval

Cannot choose

With a spouse older than 50, unemployed and not generating other earnings

Cannot choose

Must choose

With a spouse older than 50, employed or generating other earnings

Can choose with the spouse's approval

Može odabrati

Index

Can choose

Must choose

Cannot choose

Calculate your pension benefits

Find out how much your pension might be worth in just a few clicks.

Type of pension from Pillar 1

Iznos ušteđenih sredstava u mirovinskom fondu? (EUR)

Enter the amount of savings made

Percentage of savings that you wish to receive with the first payment of pension benefits

Choose the percentage of savings made

Iznos ušteđenih sredstava koji želite primiti s prvom isplatom mirovine

Choose the percentage of savings made

Your age

Enter your age

Amount of savings in the pension fund or the amount you plan to pay in EUR.

Percentage of savings that you wish to receive with the first payment of pension benefits

Choose the percentage of savings made

Would you like to receive a temporary or lifelong pension?

Payment period

Enter a voluntary payout period

Would you like to calculate the amount of joint pension benefits?

Molimo odaberite barem jednu od opcija

Spouse or life partner's age

Enter your spouse or life partner's age

Choose the percentage that could be paid to your partner

Enter the percentage

Do You opt for designated beneficiaries/successors during guaranteed period?

Molimo odaberite barem jednu od opcija

Lump sum payout amount

Pension arrangement

Classic

Classic plus

Partner

Partner plus

Direkt

Direkt Plus

Example of pension benefit payment at the retirement date

Monthly pension benefit amount

1. razdoblje

2.razdoblje

This calculation is for informational purposes only and shows the initial amounts of the monthly pension on the date of data entry, assuming that the date of retirement and the date of commencement of pension payments are equal. All amounts are expressed in gross amounts and in the currency in official use in the Republic of Croatia. Fees are already included in the informational amount of the initial monthly pension shown. The informative calculation of the amount is not binding on the Company. For any additional information related to pension calculation, feel free to contact us at 01/2231-430 or via email: info@hrmod.hr