Pension annuity calculator

Pension savings from the UAPF are transferred to a life insurance company, which pays a lifelong monthly benefit that increases annually. See what the payment will be and whether your savings are enough for a contract.

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How a pension annuity works

Under a pension annuity contract, savings from the UAPF are transferred to a life insurance company, which undertakes to pay you for life. The payment increases every year. The money cannot be returned to the UAPF — you can only transfer the contract to another life insurance company.

Payouts start at age 55 for men, at 53–55 for women (depending on date of birth), and at 50 with more than 60 months of mandatory occupational pension contributions. A contract can be concluded in advance (deferred annuity) from age 45, or from age 40 with occupational pension contributions.
Savings must be sufficient for a payout of at least 70% of the subsistence minimum — 35 596 ₸ per month. If they are not enough, you can add the surrender value under a savings insurance contract or your own contribution.
The longer the guaranteed period, the lower the monthly payment for the same amount.
Savings above the contract amount can be used for housing or medical treatment under the rules for withdrawing surplus savings.
Payouts vary between companies: compare the starting payout, indexation and guaranteed period across several companies.

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This is an estimate and not an offer. Actuarial model: survival tables by category, yield 9%, payout indexation 9nd% per year, expenses 1,5% and 3%, minimum payout — 70% of the subsistence minimum (35 596 ₸). The exact payout is calculated by the life insurance company on its own terms.