It's never too late!

Now is the perfect time to grow your savings. With a steady income, regular contributions from you and your employer to the 3rd pension pillar can make a big difference by retirement.

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65+

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How to maximize your tax refund
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Future salary calculator

3rd pillar payout calculator

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The estimate assumes a lifespan of
- years

Choose your ideal payout strategy

Since longevity is hard to guess, it's smart to leave 20% untouched. It acts as a lifeline for later or a gift to your family.

Withdraw everything today

Need cash immediately? Consider cashing out partially so the rest can keep working for you.

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+0% more
Delay for 5 years

Highly recommended. Leaving your savings where they are gives you the most money.

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Start gradual payouts

Perfect if you want a steady monthly income booster while your remaining balance keeps investing.

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Book a consultationCalculation assumptions

2nd pension pillar gets 5% of your pay

€

Projected retirement savings

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How much deposit is smart?

Different income percentages

background trinagle Suggested
5%

5%

good start

10%

10%

Good pension, good use of tax benefits

20%

20%

Western standard

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Get a 25.5% tax refund from the state

You can receive a 25.5% personal income tax refund (IIN) for part of the contributions, which do not exceed 10% of the annual gross salary or no more than EUR 4,000 per year, by submitting an annual income declaration. You will receive a tax refund if you are a VAT payer.

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The total savings at the indicated planned retirement age, based on the entered information and calculation assumptions.

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55

75

10

300

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Shares 50%

Bonds 50%

0 €

Projected savings

Pension projection scenario

Favorable

Pessimistic

Optimistic

AccumulationQuestion?

0 EUR

Amount of pension per month

0 EUR

Recovered PIT

0 EUR

Detailed calculation

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INDEXO: chosen by the savvy and driven

161
thousand clients
trust INDEXO with their pensions
€1,7
billion
under INDEXO management
2nd and 3rd pension pillars combined. Data as of 31.12.2025.

Choose your savings partner

Average savings per client
Data as of 31.12.2025.

If you've worked outside Latvia

Worked abroad? Don’t leave your pension behind.
Learn how to bring your savings back to Latvia.
VSAA informācijaLasīt vairāk

Let your employer pay in

Employer contributions are basically an extra salary bonus. Register your company for a free consultation.

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Trust INDEXO with your pension

Strict regulation

The entire pension system operates under strict state regulations – and that applies to every manager.

Transparent management

We don't hide behind complex jargon. You can easily track your plan's performance, strategy, and costs.

Identical rules

Pillars 2 and 3 are part of the state system, meaning safety rules are identical for all managers. Who you trust is up to you.

3rd pension pillar

Voluntary savings. If you're an INDEXO client, you can view your savings in the INDEXO Bank app or the "Mans INDEXO" portal.
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2nd pension pillar

Every month, 5% of your gross salary goes into your 2nd pension pillar savings. Check it in the INDEXO Bank app or at latvija.lv.
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Choose which
product to join

INDEXO
Bank

A money manager that
works in your best interest
Join

INDEXO
2nd pension pillar

5% of your salary is already being saved in 2nd pension pillar. Invest it more effectively with INDEXO.
Join

INDEXO
3rd pension pillar

Make contributions to 3rd pension pillar and save using automated investment system.
Join

Choose the best plan for your age

Jauns cilvēks ar cirtainiem matiem melnā cepurē un pelēkā kreklā smaida kamerai uz vienkārša fona.

INDEXO Jauda

16-55
Best for 16-55
year olds!
Volatile, with high profit potential
Join
Documents and conditions
Sieviete ar gariem blondiem matiem un tumšu lūpu krāsu skatās kamerā uz gaiša fona.

INDEXO Izaugsme

55-62
Best for 55-62
years olds!
Moderately volatile, with moderately high profit potential
Join
Documents and conditions
Vīrietis ar īsiem brūniem matiem un brillēm, tērpies uzvalka žaketē, stāv spilgti apgaismotā telpā.

INDEXO Konservatīvais

62+
Best for 62+!
Stability in the years before retirement
Join
Documents and conditions

Forwarding to Latvija.lv
is in progress

1

Authorize on the Latvija.lv portal using one of the available methods.

2

Submit e-application for selection or change the investment plan of 2nd pension pillar

3

Choose an investment plan best for your age
Skip instructions - switch to Latvija.lv
Skip instructions - switch to Latvija.lvSkip instructions - switch to Latvija.lvSkip instructions - switch to Latvija.lv

To use INDEXO Bank, download the app.

QR code, which when scanned, takes you to the Apple App Store or Google Play store, where you can download the INDEXO Bank application
1
Download
the app
2
Register
3
Use
INDEXO Bank

QR code, which when scanned, takes you to the Apple App Store or Google Play store, where you can download the INDEXO Bank application
Calculation assumptions
Calculation assumptions: Plan growth – "INDEXO Jauda 16-55" – 7,5% per year, "INDEXO Izaugsme 55-62" – 4,5% per year, "INDEXO Konservatīvais 62+" – 2,5% per year. Plan growth is not not guaranteed. Commission – 0.40% per year. Salary growth – 3% per year. Current savings – national average accumulation in the indicated age group as of 30.12.2025.
Selected allocation
Automatic allocation auto-adjusts your stock and bond mix as you age.
Chooding manual allocation you control your own mix of stocks and bonds.
How much is smart to save?
Recommended
Good start
Better pension, max tax refunds
Western standard
Monthly income
Planned contributions
Calculation assumptions
The savings are being accumulated in the pension plans INDEXO Akciju plāns and INDEXO Obligāciju plāns. Annual return scenarios for the INDEXO Akciju plāns: Favorable +7.78%, Optimistic +9.85%, Pessimistic +5.72% . Annual return scenarios for the INDEXO Obligāciju plāns: Optimistic +2.53%, Favorable +1.55%, Pessimistic +0.58% .
The projected return is calculated based on the average weighted return of the reference indices for the period from 2013 to 2023, subtracting the management, pension fund, and custodian bank fees. The return does not guarantee equivalent returns in the future. The actual return of the pension plans and the supplementary pension amount may differ from the forecast.
The forecasts do not take into account the legal regulations in the area of tax application, which may affect the actual amount of the supplementary pension received.
The latest economic and long-term budget projections for Latvia from the European Commission's Ageing Report were used for annual indexation.
Detailed calculation
Your savings include
Contributrions
0
Private contributions:
0
Employer contributions:
0
Expenses
0
To the Pension Fund:
0
To the fund manager:
0
To the custodian bank:
0

To use INDEXO Bank, download the app.

QR code, which when scanned, takes you to the Apple App Store or Google Play store, where you can download the INDEXO Bank application
1
Download
the app
2
Register
3
Use
INDEXO Bank

Choose which
product to join

INDEXO
Bank

A money manager that
works in your best interest
Join

INDEXO
2nd pension pillar

5% of your salary is already being saved in 2nd pension pillar. Invest it more effectively with INDEXO.
Join

INDEXO
3rd pension pillar

Make contributions to 3rd pension pillar and save using automated investment system.
Join