Calculate your
pension in the
INDEXO calculator

To enjoy a carefree old age, you need to
take care of your financial security beforehand.

Join us
2nd pension pillar
3rd pension pillar

Calculate how much you will save until retirement!

Every month, 6% of your salary accumulates in 2nd pension pillar

18

64

300

6000

Enter a larger value here
EUR

Projected retirement savings

Join INDEXO 2nd pension pillar
Calculation assumptions: Plan growth - 5% per year before commissions (not guaranteed). Commission - 0.47% per year. Salary growth - 3% per year. Current savings - 3 months' salary.

INDEXO 3rd pension pillar calculator

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 20% tax refund from the state

You can receive a 20% 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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ABOUT YOU

55

75

CONTRIBUTIONS



Shares 50%

Bonds 50%

10

300

Enter a larger value here

0

300

Enter a larger value here

0

300

Enter a larger value here

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 0%, Optimistic 0%, Pessimistic 0% . Annual return scenarios for the INDEXO Obligāciju plāns: Favorable 0%, Optimisti 0%, Pessimistic 0% .
  • 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.

Pension projection scenario

Favorable

Pessimistic

Optimistic

AccumulationQuestion?

0 EUR

Amount of pension per month

0 EUR

Recovered PITQuestion?

0 EUR

Detailed calculation

The savings include

Contributions

0 EUR

Private contributions

0 EUR

Employer contributions

0 EUR

Expenses

0 EUR

For the pension fund

0 EUR

For the asset manager

0 EUR

For the custodian bank

0 EUR

Your pension is safe with INDEXO

Strict regulation

Only investment management companies and pension funds licensed by the Bank of Latvia operate in the pension system, meeting the highest security standards of the financial industry.

Strict regulation

Your pension savings always are in a custodian bank - separate from the pension manager's money. For double security, each transaction with pension money is checked by both the manager and the custodian bank. INDEXO's custodian bank is "Swedbank" AS.

Identical conditions

2nd and 3rd pension pillar are part of the country's pension system. All pension fund managers have identical security conditions. You have a free choice of whom to entrust with the management of your savings.
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Have questions about pension?

We have helped more than 133 people with pension savings-related questions.
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Choose which
product to join

INDEXO
2nd pension pillar

6% 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

INDEXO Jauda

16-50
Best for 16-50
year olds!
Volatile, with high profit potential
Join
Documents and conditions

INDEXO Izaugsme

47-57
Best for 47-57
years olds!
Moderately volatile, with moderately high profit potential
Join
Documents and conditions

INDEXO Konservatīvais

55+
Best for 55+!
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
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Choose the best
plan for your age

INDEXO Jauda

16-50
Best for 16-50
year olds!
Volatile, with high profit potential
Join
Documents and conditions

INDEXO Izaugsme

47-57
Best for 47-57
years olds!
Moderately volatile, with moderately high profit potential
Join
Documents and conditions

INDEXO Konservatīvais

55+
Best for 55+!
Stability in the years before retirement
Join
Documents and conditions

Choose the best
plan for your age

INDEXO Jauda

16-50
Best for 16-50
year olds!
Volatile, with high profit potential
Join
Documents and conditions

INDEXO Izaugsme

47-57
Best for 47-57
years olds!
Moderately volatile, with moderately high profit potential
Join
Documents and conditions

INDEXO Konservatīvais

55+
Best for 55+!
Stability in the years before retirement
Join
Documents and conditions