Can I work while receiving a pension?

Yes, but with limits. The standard old-age pension is fully compatible with any work income. Early retirement is only compatible up to €5,000 gross per year of employee work in the first 3 years.

How is the pension amount calculated?

It depends on the calculation system: pure contributory (for those who started working after 1996), mixed or earnings-based (partial, for those with contributions before 1996). The INPS simulator provides a personalised estimate.

What if I have contributions in multiple EU countries?

Contributions paid in other EU/EEA countries and in countries with bilateral agreements with Italy can be combined with Italian contributions to meet minimum requirements. The application is submitted to INPS.

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Old-age pension

In Italy there are multiple routes to retirement. The standard old-age pension requires 67 years of age and at least 20 years of contributions. Early retirement (regardless of age) requires 42 years and 10 months of contributions for men and 41 years and 10 months for women. The application is submitted online to INPS and should be filed at least 3 months before the planned date.

Authority

INPS

Time

30 min (+ tempi di lavorazione INPS)

Updated

Apr 2026

What you need

✓SPID, CIE or CNS
✓IBAN in the name of the applicant
✓INPS pension account statement (to verify accrued contributions)

Step-by-step procedure

Check requirements and simulate your amount

Log in to inps.it with SPID. Go to La mia pensione futura to see your paid contributions, estimated retirement date and a pension amount simulation. Check you have at least 20 years of contributions (for the 67-year route) or sufficient contributions for early retirement.

Periods of redundancy fund, maternity, unemployment and degree buy-backs count as contributions.

Choose your retirement window

The standard old-age pension starts on the first day of the month after turning 67 (with 20 years of contributions). Early retirement has a 3-month window from when the right is earned. Calculate carefully to avoid losing months of benefit.

Quota 103 (age 62 + 41 years of contributions) is an experimental measure renewed annually: check if it is still active.

Submit the application online to INPS

Log in to inps.it with SPID or CIE. Go to Benefits and services > Old-age pension (or Early retirement) and complete the form. State the desired start date and your IBAN. You can delegate a patronage office (CAF, INCA, ACLI) for free.

Submit the application at least 3 months before the start date to avoid delays in the first payment.

Notify your employer and wait for processing

Notify your employer of the retirement date with the notice period required by your collective agreement. INPS processes the application in 60-90 days. The first payment may include arrears from the start month.

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Domanda pensione su INPS

INPS

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Frequently asked questions

Responsible authority

Authority

INPS

Phone

803.164

Certified email

Website

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The information in this guide is for orientation only and does not constitute legal or tax advice. Always verify on the official portal of the responsible authority.

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