Methodology and sources

General rules

We take regulatory values only from official sources: the UAPF (ЕНПФ), government bodies, the Bureau of National Statistics, the National Bank and KDIF. Anything that cannot be confirmed officially is marked as an “estimate” or a “model assumption”.

The data was checked on 03.11.2026. We update it every January and after changes in legislation.

Pension calculator

The model combines the basic pension, the solidarity pension (for service before 1998), payouts from UAPF savings, savings funded by employer contributions (OPVR) and, optionally, a pension annuity and personal savings.

Savings grow with your contributions (10% of income, base capped at 50 minimum wages), wage growth and returns. The UAPF payout in the first year is savings × 6.5% / 12 per month, then indexed by 5% a year, but not below 70% of the subsistence minimum. By default amounts are shown in today’s money so they can be compared with your current spending; the switch shows future tenge.

Loan calculator

Annuity payment: P = A · i / (1 − (1 + i)^−N), where A is the loan amount, i is the rate per period (the annual rate divided by the number of payments per year) and N is the number of payments. With differentiated payments the principal is split equally and interest is charged on the outstanding balance. The calculator shows the schedule, the overpayment and the total paid.

Fees and insurance are not included and amounts are not rounded to tiyn, so figures may differ from your contract by a few tenge. The annual effective rate (APR, ГЭСВ) in a contract can be higher than the nominal rate, so rely on it.

Deposit calculator

Interest accrues every month on the balance and is added to the deposit at the end of the capitalization period (monthly, quarterly, twice a year, yearly) or at the end of the term. For a nominal rate, the rate divided by the number of periods per year is accrued each period; for an effective rate, the period rate is chosen so that exactly the stated rate is earned over a year. Top-ups are made at the end of each month except the last. Inflation converts the result into today’s money.

Tax on deposit interest is not taken into account. The default example uses a bank deposit rate with its date; take your own deposit’s rate from the contract.

Model assumptions

UAPF savings returns by scenario: pessimistic (equal to inflation), realistic (inflation + 1%), optimistic (inflation + 2%). According to the UAPF, over the long run returns exceeded inflation only slightly, so the real result may be closer to the cautious scenario.
Wage growth defaults to inflation; values can be changed in the form.
Maximum basic pension: 118% of the subsistence minimum in 2026 and 120% from 2027 (a Ministry of Labour target). For years after 2027 the law sets no value, so in the calculation this is an estimate.
Pension annuity rates by age and the formula for OPVR payouts are not published openly, so these payouts are estimated.

What is not included yet

mandatory professional pension contributions (OPPV) in UAPF savings (only the right to an earlier annuity is considered);
increasing coefficients for certain categories (disability, hazardous work) and early payouts;
tax on deposit interest, bank fees and insurance;
early loan repayment and partial deposit withdrawals.

How we verify

Loan and deposit formulas have been checked against independent calculations, and the calculation code is covered by automated tests. Every reference value stores its source and the date it was checked; tests make sure links lead only to the websites of government bodies, the UAPF, KDIF, banks and insurance companies.