Why plan ahead
The funded pension system builds individual capital through employee contributions and investment returns. This calculator shows the order of magnitude of long-term savings.
Calculations are estimates only and do not constitute financial, tax, or legal advice. Verify current rules with official sources or a qualified professional before making decisions.
Armenia Pension Calculator
Project funded pension savings by age, salary, current balance, expected return, and retirement age.
Results
Years to retirement
33
Personal contributions
AMD 7 920 000
State contributions
AMD 7 920 000
Investment growth
AMD 36 920 337
Accumulated balance
AMD 53 260 337
Projection logic
Monthly contributions are estimated from salary (about 5% employee share) and compounded at your chosen annual return. Use conservative 4–7% assumptions for planning.
Example
Age 30, salary 400,000 AMD, savings 500,000 AMD, retire at 63 with 6% return: regular contributions and compounding can build a meaningful balance over 33 years.
Model limits
- Inflation and salary growth over time are not modeled.
- Employer contributions may apply separately.
- Past fund performance does not guarantee future returns.
Frequently asked questions
Usually at retirement age or in cases defined by law. Rules are set by legislation.
Participants may switch managers during official windows announced by regulators.
Use 4–5% for cautious planning and 6–7% for a base case.