Savings? What for?
Where do you even begin? What to focus on at the start of your career?
Select your age
Money starter pack
Check out how to stay ahead and afford more
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3 tips for your first job
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How to start saving the easy way
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When to start thinking about retirement?
Future salary calculator
How much deposit is smart?
Different income percentages
Suggested
5%
good start
10%
Good pension, good use of tax benefits
20%
Western standard
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.
The total savings at the indicated planned retirement age, based on the entered information and calculation assumptions.
Pension projection scenario
Favorable
Pessimistic
Optimistic
Accumulation
EUR
Amount of pension per month
0 EUR
Recovered PIT
0 EUR
INDEXO: chosen by the savvy and driven
161
thousand clients
thousand clients
trust INDEXO with their pensions
€1,7
billion
billion
under INDEXO management
2nd and 3rd pension pillars combined. Data as of 31.12.2025.
Choose your savings partner
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.
Join Learn more 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.
Join Learn more 
