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How to simulate a possible personal pension scenario.
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Pensami is the INPS pension simulator which can be accessed without registration.
By entering a small amount of personal and contribution data, the simulator provides information relating to pensions that can be accessed both for the individual social security schemes and by adding up all the contributions.
The simulator also allows you to find out if, by making use of certain institutions (degree redemption, periods of employment abroad, maternity leave, etc.), it is possible to gain access to your pension earlier. In addition, through explanatory notes and links to further information, Pensami is a useful tool for learning about the Italian social security system.
Who is it aimed at?
This tool allows all users to check possible pension scenarios, without the need for authentication.
How does it work?
Why use Pensami
- it provides do-it-yourself pension advice to find out when and how to retire by adding up all the contributions;
- it allows you to find out about the main pensions and some institutions to help you access your pension early;
- it does not provide information on the amounts of pensions or pensions envisaged for certain categories of workers (g. pilots, print workers, military, etc.);
- it does not use the information in the INPS database; the user must enter data to simulate different pension scenarios.
The simulator provides information exclusively on direct pension benefits, valuing, according to the provisions in force, the contributions present in the following pension schemes:
- Employees’ Pension Fund (FPLD);
- Traders’ pension scheme (COM);
- Artisans’ pension scheme (ART);
- Pension Scheme of independent farmers, sharecroppers and tenant farmers (CD/CM);
- Separate pension scheme;
- Civil Servants' Pension Fund (CTPS);
- Local Authority Employees’ Pension Fund (CPDEL);
- Judicial Officers' Pension Fund (CPUG);
- Pension Fund for Nursery Teachers and Officially Recognised Schools (CPI);
- Health Workers' Pension Fund (CPS);
- Professional Funds.
The results refer only to pensions accrued since 2019 and any pension held is not taken into account. The simulator does not calculate pension amounts and therefore does not verify the pension requirements linked to these amounts.
The results are based exclusively on the answers provided anonymously by the user, they neither certify nor substantiate the entitlement. The performance of particular activities may allow access to a pension based on requirements other than those provided by the simulator, despite enrolment in one of the indicated schemes (e.g.> agricultural workers, military personnel, seafarers, miners, workers in the publishing sector, etc.). The simulator uses years and months as a unit of measurement, without considering days. The results provided in return, therefore, may not correspond exactly to the real situation and can be verified at the INPS offices.
