When you can retire in Italy
Old-age pension
2036
in 10 years
Early retirement
2037
in 11 years
Whichever comes first
2036
On top of the requirement comes the deferral window, which pushes back the first payment: three months for early retirement in the private sector, twelve in the public sector.
Indicative estimate on the ordinary requirements. It ignores arduous work schemes, social bridges, women option, fully contribution-based rules and mixed contributions, which each have their own rules. The binding figure is your official contribution record.
Frequently asked questions
Requirements and deferral windows
What are the requirements in 2026?
The old-age pension needs 67 years of age and at least 20 years of contributions. Early retirement needs contributions only, whatever your age: 42 years and 10 months for men, 41 years and 10 months for women.
What changes from 2027?
Life expectancy indexation is back: one month more in 2027 and three months from 2028. The old-age threshold therefore becomes 67 years and one month in 2027 and 67 years and three months in 2028, with the same steps on the early retirement contribution requirements.
What is the deferral window?
It is the gap between meeting the requirement and the first payment. For early retirement it is three months in the private sector and twelve in the public sector. For the old-age pension payment starts the month after you qualify.
Does this cover every case?
No, it covers the two ordinary routes. Arduous work schemes, social bridges, the women option, the contribution-based early route for those who started paying after 1995 and mixed or foreign contributions all sit outside it. Those need your contribution record and a case-by-case check.
Does my data stay private?
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