👴Dates

Retirement Countdown (BR)

Estimate years until retirement under post-Reform rules: minimum age and contribution time (men/women). Everything in your browser.

Sex Current age Years contributed Contributing before 13 Nov 2019?

Years to minimum age

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Years to minimum contribution

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Years still to go

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How long until retirement?

Brazil's pension reform shook up the rules and left a lot of people unsure of when they'll get to retire. The tool estimates that time from the current criteria, namely the minimum age and the contribution period, which aren't the same for men and women.

Using your data, it projects when you'll meet the requirements and how many years are still left. The point is to give you a reference for planning your finances and getting a sense of the retirement horizon, a topic that got a good deal messier after the changes.

The calculation happens in the browser, with no data stored, and it stands as an estimate under the general rules. Anyone with transition rules, special activities or specific periods may see the number shift. For the official figure, check with the social-security authority.

Frequently asked questions

Why is the final figure the larger of the two numbers rather than the sum?

Because both requirements advance side by side: while contributions keep coming in, every year that passes adds one year of age and one year of contribution at once. Someone 8 years short on age and 3 years short on time meets both in 8 years, never 11. The maths assumes unbroken contributions from here on — a gap in payments stretches the real deadline, and the tool has no way to see it.

Do men really need 20 years of contributions?

It depends on when they joined the system, and the page applies 20 to every man. Anyone already contributing before 13 November 2019 falls under the age-based transition rule, where the minimum sits at 15 years for both sexes; the 20-year figure belongs to whoever joined after the 2019 reform. If that describes your case, knock five years off the middle box in your head.

Does it work out the benefit amount or the special rules?

No. The output amounts to three year counts and nothing else: how long to the minimum age, how long to the minimum contribution time, and the larger of the two. No benefit amount, no projected date, no 50% or 100% toll rule, no points formula, no progressive age, no teacher, hazardous-work or rural variant. For a figure worth acting on, the official contribution statement is the source.

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