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Bridging pension calculator

A bridging pension allows early retirement for workers performing work in special conditions or of a special nature. Men can use it from age 60, women from 55. The calculator assesses whether you meet the age and service requirements and estimates the approximate benefit based on the assessment base and years of work in special conditions you enter.

Reviewed byRedakcja Liczbnik
Calculator
Results — bridging pensionEstimated bridging pension (PLN/month)520.00PLN
Eligibility (2=yes, 1=conditional, 0=no)
1
Years short of required age
5
Years short of service
5

How the bridging pension calculator works

The calculator checks three conditions: 1. Age — a man must be at least 60, a woman at least 55. 2. General service — a man at least 25 years, a woman at least 20 years of total insurance. 3. Special service — at least 15 years of work in special conditions or of a special nature (per annexes 1 and 2 to the act). Estimated amount = assessment base × years of special service × 1.3%. The minimum bridging pension = the minimum pension (after the 2026 indexation about 1,901 PLN gross).

Example: man aged 61, 28 years of general service, 16 years of special service

Man, age 61, general service 28 years (25 required), service in special conditions 16 years (15 required), assessment base 4,500 PLN. Conditions met — qualifies. Estimated pension: 4,500 × 16 × 0.013 = 936 PLN per month (guaranteed minimum 2026: about 1,901 PLN gross, so it is topped up to the minimum).

Frequently asked questions about the bridging pension

What is a bridging pension?

A bridging pension is a benefit for workers performing work in special conditions. It allows earlier retirement: from age 60 for men and 55 for women.

Who is entitled to a bridging pension?

Entitlement applies when: you have reached 60 (men) / 55 (women), achieved general service of 25/20 years, worked at least 15 years in special conditions, and worked in special conditions before 1999.

Which jobs qualify for a bridging pension?

The list of jobs is contained in Annexes 1 and 2 to the act. These include, among others, mining work, underground work, work at height, pilots, train drivers, divers, work in contact with harmful substances and other work of a special nature.

How is the bridging pension amount calculated?

The calculator uses a simplification: assessment base × years of special service × 1.3%. ZUS calculates the benefit based on the full contribution history. The minimum bridging pension = the minimum pension (about 1,901 PLN gross in 2026).

Does a bridging pension apply to the self-employed?

No — a bridging pension applies only to workers employed under an employment contract. Entrepreneurs running a business are not covered by this act.

How much is the minimum bridging pension in 2026?

The minimum bridging pension after the March 2026 indexation (5.82%) is about 1,901 PLN gross per month. If the calculated benefit is lower, ZUS tops it up to this amount.

Indicative result

Results are estimates and do not constitute a ZUS decision. Eligibility and pension amount are determined by ZUS based on the full insurance history. Consult a ZUS branch.

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