How is the Egyptian pension calculated?

Under Social Insurance Law 148/2019, the pension accrues at a percentage of your average insured salary for each year of contribution. A common accrual is around 1/45 of the reference salary per year of service, so 30 years gives roughly two-thirds of the reference salary. The tool uses this accrual to estimate your monthly pension.

What are the contribution rates?

Law 148/2019 sets the headline social insurance contribution at 11% from the employee and 18.75% from the employer on the insured salary, alongside smaller components for work injury and other benefits. The tool applies the 11% and 18.75% rates to show how much is paid in over your career.

When can I retire in Egypt?

The statutory pension age under Law 148/2019 is rising gradually toward 65. Early retirement is possible with a sufficient contribution record but reduces the pension. The tool lets you set your own retirement age to see the effect on contribution years.

Is the insured salary capped?

Yes. Egypt sets minimum and maximum insured-salary limits that are indexed over time, so very high earners contribute and accrue only up to the cap. The tool uses the salary you enter directly; for high earners, enter the capped insured figure for a realistic projection.

Does this include private or voluntary pensions?

No. It models the mandatory state social-insurance pension only. Private pension funds, end-of-service gratuities and voluntary top-ups are separate and not included. Treat the result as the state component of your retirement income.

Egypt Pension & Retirement Calculator

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An Egypt pension and retirement calculator that projects your state pension under Social Insurance Law 148/2019. It applies the headline contribution rates — 11% employee and 18.75% employer — and estimates your monthly pension from your insured salary and years of service.

How it works

Contributions are a percentage of your monthly insured salary:

Employee contribution = insured salary × 11%
Employer contribution = insured salary × 18.75%

The pension itself accrues with service. Egypt’s scheme builds up roughly 1/45 of the reference salary per year of contribution, so:

Monthly pension ≈ reference salary × (years of service / 45)

Thirty years of service therefore yields about two-thirds of the reference salary. The tool counts your service years from your current age to your chosen retirement age and applies this accrual.

Example and notes

A worker aged 30 earning 15,000 EGP a month insured, retiring at 60, contributes for 30 years. Their own contribution is 1,650 EGP a month and the employer adds 2,813 EGP. With a 1/45 accrual, the estimated pension is about 10,000 EGP a month — roughly two-thirds of the reference salary.

This estimates the mandatory state pension only and uses a simplified accrual. Actual pensions depend on indexed average salary, the insured-salary cap, and exact accrual tables. Private pensions and gratuities are separate. All figures are calculated locally in your browser.