Name: Aggregate replacement ratio
Creator: Eurostat

The aggregate replacement ratio is gross median individual pension income of the population aged 65–74 relative to gross median individual earnings from work of the population aged 55–64, excluding other social benefits.

Aggregate replacement ratio for pensions by country in 2025 (percentage)

In 2025, Luxembourg had the highest value (0.88) among 31 countries.

#	Country	Value	Change
1	Luxembourg	0.88	+12.8%
1	North Macedonia (2024)	0.51	-8.9%
2	Spain	0.81	0.0%
2	Switzerland (2024)	0.5	+4.2%
3	Italy	0.8	+1.3%
3	Montenegro (2024)	0.44	0.0%
4	Greece	0.77	-8.3%
5	Portugal	0.68	+11.5%
6	Türkiye	0.67	-1.5%
7	Slovakia	0.62	-19.5%
8	France	0.61	0.0%
9	Poland	0.6	0.0%
10	Sweden	0.59	0.0%
11	Austria	0.56	+1.8%
11	Netherlands	0.56	-1.8%
13	Norway	0.55	0.0%
14	Czechia	0.53	-5.4%
14	Finland	0.53	0.0%
16	Hungary	0.49	-2.0%
16	Estonia	0.49	-2.0%
18	Belgium	0.48	0.0%
18	Germany	0.48	-2.0%
20	Malta	0.47	-4.1%
20	Romania	0.47	+2.2%
22	Bulgaria	0.46	+4.5%
22	Denmark	0.46	-2.1%
24	Latvia	0.43	-2.3%
24	Serbia	0.43	-10.4%
26	Cyprus	0.41	0.0%
26	Slovenia	0.41	-4.7%
28	Ireland	0.38	-5.0%

Aggregate replacement ratio

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Aggregate replacement ratio

Aggregate replacement ratio for pensions by country in 2025 (percentage)

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