Turkey Retirement Calculator 2026: When Can I Retire?

The conditions for an old-age pension (retirement pension) in Turkey are not the same for everyone. What matters is the date of first insurance entry shown on the service record. The law in force sets three groups by this date: those insured on or before 8 September 1999 (the group known in Turkey as EYT), those first insured between 9 September 1999 and 30 April 2008, and those first insured on or after 1 May 2008. In each group three conditions are checked: age, number of premium days and, in some cases, the insurance period, meaning the calendar time since first entry.

Retirement becomes possible once all conditions are met, so the estimated retirement date is the date the last condition is met. The calculator shows separately when each condition is met. One person may have more than one route (for example a full and a partial pension); the calculator lists these on separate lines.

Law No. 7438 added Provisional Article 95 to Law No. 5510 (Official Gazette, 3 March 2023). Under it, those who would be granted a pension under Provisional Article 81(B) of Law No. 506 can retire once they meet the conditions other than age. In other words, the age requirement was removed for people under 4/a (SSK) who were insured on or before 8 September 1999, while the insurance-period and premium-day conditions remain. According to SGK Circular 2023/13, people insured on 8 September 1999 itself are included.

Under 4/a, women need a 20-year and men a 25-year insurance period. The premium days required range from 5,000 to 5,975 and depend on the insurance period on 23 May 2002, and therefore on the first entry date: the earlier the first entry, the fewer days required. The date ranges and day counts are shown in the tables below.

For people insured before age 18, the insurance period starts on their 18th birthday, while days worked before 18 still count as premium days (Law No. 5510, Art. 38). This rule does not apply to people registered under Law No. 506 before 1 April 1981 (Prov. Art. 6). For example, a person who started work aged 15 in summer 1999 is in the EYT group, but the 20 or 25 years are counted from their 18th birthday.

The EYT amendment covers only paragraph (B) of Provisional Article 81 of Law No. 506. Under paragraph (C) of the same article, known in Turkey as age-based retirement or retirement with 3,600 days, an age requirement still applies. This route needs a 15-year insurance period and 3,600 premium days, with the age set by the date on which these two conditions were completed.

For those who had completed them by 23 May 2002, the age is 50 for women and 55 for men. For later completion the age rises step by step: 58 for women who completed them after 24 May 2011 and 60 for men who completed them after 24 May 2014. The date of the 3,600th day can be found on the service record; if it is not entered, the calculator shows the possible age range and uses the higher age.

For people under 4/a in this group, the rule is in Provisional Article 9 of Law No. 5510 and has no steps: women aged 58 and men aged 60 with 7,000 premium days, or the same ages with a 25-year insurance period and at least 4,500 premium days. The second route is an option for people who have not reached 7,000 days but have a long insurance period.

This group is not covered by EYT, so the age requirement applies. People under 4/b (Bağ-Kur) may receive a pension at 58/60 with 25 full years (9,000 days) of premiums, or a partial pension at 60 for women and 62 for men with 15 full years (5,400 days). For civil servants under 4/c, the conditions are 58/60 with 25 full years of service, or age 61 with 15 years (partial pension).

Bills on "staggered retirement" (kademeli emeklilik) for this group have been submitted to the Turkish Parliament, but none had become law as of October 2026. The calculator applies only the rules in force.

Article 28 of Law No. 5510 applies to this group: women aged 58 and men aged 60 with 9,000 premium days; for people under 4/a the requirement is 7,200 days. No separate insurance period is required.

The age requirement rises step by step from 2036 and reaches 65 for both women and men from 2048. Which step applies depends not on when the person reaches the age but on when the premium-day condition is completed (Art. 28(2)). For example, a woman who completes her 7,200th day in 2037 must be 59. The steps are shown in the table below.

The third paragraph of the same article allows a partial pension: three years are added to the age limit (up to 65) and 5,400 days are required. Under 4/a this is 4,600 days for those insured in 2008, rising by 100 days for each later entry year to 5,400 for entries from 2016 (Prov. Art. 6). Because the pension rate is 2% for each 360 days (Art. 29), a pension granted with fewer days is lower.

Under 4/b, only days for which premiums were actually paid count. A pension can also only be granted if there is no premium debt, including general health insurance premiums, on the date of application (Art. 28). For Bağ-Kur members in the EYT group, 20 full years (7,200 days) of premiums for women and 25 full years (9,000 days) for men are enough, with no age requirement (Law No. 1479, Prov. Art. 10; Law No. 5510, Prov. Art. 95). A partial pension with 15 full years of premiums is also possible in this group, at an age between 50 and 56 for women and 55 and 58 for men depending on when the conditions were completed.

For civil servants under 4/c, years of actual service are used rather than premium days. For civil servants in the EYT group, 20 years of service for women and 25 for men are enough, with no age requirement (Law No. 5434, Prov. Art. 205). Because civil servants are subject to further rules such as notional service, service credit, the mandatory retirement age of 65 and the retirement referral procedure, the calculator shows only the basic conditions for this status.

Where a person has worked under more than one status, the status they retire from is determined separately. For those first insured after 1 October 2008 it is the status with the most insured time (Art. 53); for those insured earlier, the provisions of the repealed Law No. 2829 apply (Prov. Art. 2). In such cases the required days and age may differ.

Days gained through a military service or maternity buyback are added to total premium days. If the period bought back falls before the first insurance entry, the insurance start date moves back by the number of days bought back (Law No. 5510, Art. 41). This can move a person into an earlier rule set: for example, the start date of someone first insured in October 1999 who previously did military service may move back before 8 September 1999.

For those first insured as civil servants (4/c) after 1 October 2008, the start date does not move back in this way (Prov. Art. 7). The cost of a buyback can be estimated with our military service and maternity buyback calculator. In this calculator, the effect can be seen by entering the start date and day count after the buyback.

All the figures the calculator needs appear on the SGK service record (SGK Tescil ve Hizmet Dökümü) on e-Devlet. Total premium days are shown by status and in total. The insurance start date is the date of the first work subject to disability, old-age and survivors' insurance (Art. 38); internship and apprenticeship periods covered only by work accident and occupational disease insurance do not count as the start. For Bağ-Kur, months for which no premium was paid are not counted as days.

For future estimates, the calculator uses an assumption of how many premium days will be paid each year. Continuous full-time work gives 360. Part-time work, periods of unemployment or unpaid leave reduce this figure; a lower assumption moves the estimated date later.

Meeting the conditions is not enough on its own for a pension to be granted. A person under 4/a must leave employment and apply in writing, a person under 4/b must declare whether they will stop their activity and apply in writing, and a civil servant under 4/c must leave the post with a retirement referral (Art. 28). Under 4/a and 4/b, the pension starts from the beginning of the month following the written application (Art. 30).

The date in the calculator is the estimated day the conditions are completed; when the pension starts depends on the application date. The official date and pension amount are determined by SGK at the time of application, based on its service records.

The calculator applies the general rules in force. Work with service credit (yıpranma), retirement on grounds of disability, the extra days granted to insured mothers of children with severe disabilities, underground miners, special cases linked to buying back service abroad and the effect of working under more than one status are not included; in these cases the required age and days may differ.

Disputes arising from the application of Law No. 5510 are heard by the labour courts (Art. 101). Before suing SGK, an application to SGK is mandatory; if SGK does not respond within 60 days, the request is deemed rejected (Law No. 7036, Art. 4). An action to establish unregistered service is outside this application requirement. We act as a social security lawyer in Istanbul and before the labour courts in Ankara; the subject is covered on our Social Security Law page.