The Private Pension System (BES) is a voluntary savings system that adds a 20% state contribution to your regular savings, helping you build a larger retirement fund over the long term. With the private pension calculator below you can estimate your BES return and savings including the state contribution.
Estimate your savings including the state contribution based on your monthly payment and term.
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In today's money after 10 years, assuming 32.5% inflation.
The portion of the state contribution you would keep if you left the plan today (estimate).
Reaches 100% only with retirement entitlement (10 years + age 56).
20% state contribution (200 TL per 1,000 TL). The rate and cap may change per current legislation; EGM is the reference.
Why is the result only an estimate? The amount here is calculated from average assumptions to give a rough idea; the actual premium and coverage vary depending on the following factors:
For an exact figure tailored to you, fill in the quote form below or contact our expert advisor.
This calculation is not a sales or investment commitment; it is for informational purposes only.
Retirement savings start today with small but steady steps. In the Private Pension System (BES), the 20% state contribution added to each contribution, together with fund returns, turns into savings that make a real difference over time. With the BES calculation tool below you can see your estimated retirement savings in seconds based on your monthly payment and term; with state contribution and fund-return estimates we build the right pension plan together.
The Private Pension System (BES) invests your regular contributions in pension investment funds to help you build retirement savings over the long term. Below you'll find how it works, the state contribution, and the vesting and retirement conditions, in plain language.
You pay the contribution you set, monthly or as a lump sum; you can update the amount according to your needs.
Your contributions are invested in pension investment funds suited to your risk profile. You can choose interest-based or interest-free (participation) funds.
A 20% state contribution is added to the contributions you pay as of 2026 (200 TL per 1,000 TL).
Your savings grow over time; once you meet the retirement conditions you can take them as a lump sum, programmed withdrawal or regular income.
Interest-based and interest-free (participation) pension investment fund options are offered. BES carries no return guarantee; your savings vary with fund performance.
As of 1 January 2026, 20% of the contributions you pay is added as a state contribution; that is, 200 TL is added per 1,000 TL. (The rate was updated from 30% at the start of 2026.) The annual maximum state contribution is about 79,272 TL (2026, indexed to the minimum wage).
The rate and cap may change each year by presidential decree and the minimum wage. For the current rate, rely on the Pension Monitoring Center (EGM).
How much of the state contribution you are entitled to depends on how long you stay in the system. With at least 10 years plus age 56 you become entitled to 100% of the state contribution:
| Time in the system | Vesting rate |
|---|---|
| Less than 3 years | 0% |
| 3 – 6 years | 15% |
| 6 – 10 years | 35% |
| 10 years and above | 60% |
| At least 10 years + age 56 (retirement right) | 100% |
| Death or disability | 100% |
The retirement age in BES is 56. To earn the right to retire you must meet two conditions together: staying in the system for at least 10 years and reaching the age of 56. When both are met you become entitled to 100% of the state contribution and can take your savings as a lump sum, programmed withdrawal or regular income.
On leaving the system, withholding tax is applied on the returns at rates that vary by exit type:
You have a right of withdrawal within the first 2 months. Withholding applies only to the return portion; your principal and the state contribution are not subject to withholding.
The Automatic Enrollment System (OKS) is applied through the employer: employees under 45 are automatically enrolled at 3% of their salary, with a right of withdrawal within 2 months. As of 2026 the starting incentive is 500 TL. Voluntary BES, on the other hand, is opened by the individual, who sets their own contribution.
If you leave the system before earning retirement rights, keep three points in mind:
In a private pension the return cannot be calculated exactly in advance; it can only be projected on an assumption basis. That year's movement of the funds you are invested in is reflected in your savings daily, so past returns do not guarantee future returns. You can follow current fund returns via TEFAS.
TEFAS — current fund returnsThe amounts and rates here are for information only and may change per current legislation. For official information and current rates, rely on the Pension Monitoring Center (EGM).
You can review the official page of the Pension Monitoring Center (EGM) for BES legislation, the current state contribution rate and vesting conditions.
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