How does EU Regulation 883/2004 aggregate pension contributions across member states?

Under EU Regulation 883/2004, each member state where you worked aggregates your insurance periods across all participating countries to establish eligibility. Each country then calculates a theoretical amount (as if all work took place there) and pays a pro-rata pension corresponding strictly to the time spent under its legislation.

Are the United Kingdom and Switzerland included in the cross-border pension coordination?

Yes. Switzerland coordinates with the EU through Annex II of the Free Movement of Persons Agreement (FZA), and the United Kingdom coordinates via the EU-UK Trade and Cooperation Agreement (TCA) Social Security Coordination Protocol. Both maintain aggregation mechanisms aligned with Regulation (EC) No 883/2004.

Which 16 European countries are currently supported by OurExpatPension?

Our engine supports 16 jurisdictions: Italy (INPS), Germany (DRV), Spain (INSS), France (CNAV), Portugal (ISS), Poland (ZUS), Netherlands (SVB), Belgium (SFP), Austria (PVA), Sweden (Pensionsmyndigheten), Denmark (Udbetaling Danmark), Ireland (DSP), Luxembourg (CNAP), Malta (DSS), United Kingdom (DWP), and Switzerland (FSIO / AVS).

Is my personal work and salary data stored on your servers?

No. All simulation data is processed ephemerally in-memory to compute your statutory pension results. In full compliance with GDPR, we do not store career histories, salary details, or personal identifiable records.

Free Statutory Calculator Limit: 2 Countries Max

Free Cross-Border Pension Summary

Interactive summary under Regulation (EC) 883/2004. Free tier is limited to 2 Member States.

Step 1: General Info

Date of Birth

Retirement Date

Residence in Retirement

Step 2: Career

Member State Work Periods

Free plan permits up to 2 Member States. For 3 countries choose Report Base (€9.99).

Consolidated EU Insurance 0 weeks (0.0 yrs)

Free Summary Output

Free Tier - Masked

Estimated Gross EU Range

Estimated Monthly Net Range

National Quotas (Art. 52 EU 883/2004)

⚖️ Why get the Certified Report instead of self-filing?

A standard cross-border pension consultation with an international CPA costs between €150 and €300. Furthermore, incorrect reporting of foreign pensions carries average tax penalties and double-withholding of over €1,200/year.

This €9.99 audit dossier gives your local tax advisor or patronato the exact statutory EU legal treaty citations (Articles 50–58 of Reg. 883/2004) to file with zero errors.

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✓ Full Art. 52 national quotas unmasked
✓ Commercialista-ready Typst PDF audit
✓ 100% Confidential audit

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Free Tier

Max 2 Member States

€0.00

Estimated range only, national quotas masked, no PDF export, 100% ad-free.

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Report Premium

Unlimited Member States (All 16)

€19.99

Complete multi-state audit dossier, unmasked quotas, 100% ad-free.

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Statutory Feature	Free (€0)	Report Base (€9.99)	Premium (€19.99)
Pension Output Precision	Estimated Range	✓ Exact to the Cent	✓ Exact to the Cent
Supported Member States	Max 2 States	Up to 3 States	Unlimited (All 16)
National Quotas (P_A, P_T, P_PR)	🔒 Masked	✓ Full Breakdown	✓ Full Breakdown
Certified Typst PDF Audit Dossier	✕ No Export	✓ Commercialista-Ready	✓ Multi-State Dossier
Advertising & Data Privacy	✓ 100% Ad-Free	✓ 100% Ad-Free	✓ 100% Ad-Free
Select Plan	Current View	Get Base (€9.99)	Get Premium (€19.99)

Curious about what the certified audit report looks like? Inspect the 4-page Regulation (EC) 883/2004 vector PDF sample before unlocking your personal dossier.

⚠️ Avvertenza Legale Vincolante / Mandatory Legal Notice: Il presente calcolo costituisce un dossier informativo previsionale a fini di pianificazione patrimoniale. Non costituisce, non sostituisce e non può surrogare in alcun modo un atto amministrativo ufficiale, l'estratto conto contributivo certificato, né il Documento Portabile P1 o i formulari SED rilasciati dagli enti previdenziali nazionali competenti (Reg. CE 883/2004 e 987/2009).

Supported European Jurisdictions

Click any country to explore statutory legal rules

16 Live Engines

IT MT DE ES FR NL BE LU DK SE AT IE PL PT UK CH

⚖️ Regulation (EC) No 883/2004 Certified Totalization guarantees that contributions paid across EU Member States are never forfeited. Independent pensions, theoretical amounts, and pro-rata shares are dynamically evaluated to disburse the highest statutory entitlement.

Worked across European borders? Never leave your hard-earned pension behind.