Kazakhstan Pension Planner

A basic state pension, a solidarity pension (for service before 1998), payouts from your ENPF savings (mandatory contributions of 10% of income) and payouts from your employer’s OPVR account. You can also buy a pension annuity from an insurance company and save on your own.

In 2026 it is 70% of the subsistence minimum, which is 35,596 ₸ at a subsistence minimum of 50,851 ₸. The maximum is 118% of the subsistence minimum in 2026 and 120% from 2027; each full year of participation above ten adds 2%. The law sets no maximum for years after 2027, so the calculator uses 120% and indexes the subsistence minimum by inflation.

The employee pays 10% of monthly income (income used for the calculation is capped at 50 minimum wages). The employer pays OPVR: 3.5% in 2026, 4.5% in 2027 and 5% from 2028; OPVR is not paid for people born before 1 January 1975.

The monthly payout in the first year equals savings × 6.5% / 12, then it is indexed by 5% a year. The payout is never below 70% of the subsistence minimum. If the savings on the payout date do not exceed 12 minimum pensions, ENPF pays them out as a lump sum.

It is a life insurance contract: the insurer pays you a monthly amount for life, indexed by at least 8% a year. The minimum payout is 35,596 ₸ per month; at Halyk-Life the guarantee period (payments to heirs) is up to 15 years. Payouts are protected by the Insurance Payments Guarantee Fund. You can buy an annuity from age 55 (53 for women, 50 with OPPV contributions), a deferred one from 45 (40 with OPPV). Which is better depends on your age, savings and whether you want to leave an inheritance; the calculator’s scenarios show this.

Men retire at 63. For women the age is rising: 61 in 2026–2027, 61.5 in 2028, 62 in 2029, 62.5 in 2030 and 63 from 2031.

Only the amount above the minimum sufficiency threshold. It depends on age: in 2026 it is 13,370,000 ₸ for a 40-year-old. The money may be used for purposes allowed by law, such as housing or medical treatment. Under the new methodology, the payout after a withdrawal should be about 40% of the median wage.

It is a model, not a promise or financial advice. Investment returns, inflation, the exchange rate and future changes in the law are assumptions, and the OPVR payout is simplified (estimated from the annuity tariff). The assumptions and the source of every value are shown below the results.

Only from official sources: ENPF, gov.kz, the Bureau of National Statistics, the National Bank, KDIF, insurance companies and banks. The last check was on 03.11.2026.