This Turkey retirement calculator, provided by Hesapstan, does more than estimate a single retirement age. Based on the information you enter, it identifies retirement routes that may apply under 4A, 4B or 4C and shows the age, insurance or actual-service duration and premium requirements for each route, when each condition is met, and the route’s current status. EYT and supported work-capacity-loss/disability and malullük routes are also evaluated where the required information is available. The result is an informational assessment based on current rules and your inputs, not an official SGK pension-award decision.
What does the retirement calculator show?
Retirement in Turkey does not always reduce to one age or one date. The same person may have a full-retirement route, a partial-retirement route, an EYT route or a supported special route under the legislation.
Where the available data allows it, the calculator therefore shows applicable routes separately instead of compressing everything into a single estimated retirement date.
- Retirement route type
- Age requirement
- Insurance or actual-service duration requirement
- Premium-day requirement
- Date each condition is met
- First date all conditions are met together
- Current route status and legal basis
The result is based on the information entered and the statutory rules covered by the calculator. Personal SGK service records, service combination, borrowing effects or other special provisions may change the official outcome.
Which information does the calculator use?
The applicable retirement rules depend on personal and insurance-history facts such as date of birth, gender, first long-term insurance start date and insurance status. Premium days and special circumstances can also affect both the route and the timing.
- Date of birth
- Gender
- First long-term insurance start date
- 4A, 4B or 4C status
- Current premium-day total, if known
- Expected future premium days per year when days are still missing
- First public-service start date when needed for 4C
- Work-capacity-loss/disability information where relevant
- Malullük and continuous-care information where relevant
If you know your current premium days, using the total shown in your SGK/e-Devlet service record is more reliable than relying on a continuous-work estimate.
Why can 4A, 4B and 4C produce different results?
4A, 4B and 4C do not use identical retirement conditions. Even with the same first insurance date, the required age, premium or service duration can differ by status and cohort.
4A generally covers employees working under an employment contract, 4B covers self-employed persons under Bağ-Kur, and 4C covers public servants. In older transition regimes, insurance duration or actual public-service duration can matter in addition to premium days.
Mixed 4A/4B/4C histories may require service combination and a separate determination of which status governs the pension award. The calculator does not guess that result and returns an out-of-scope state instead of a precise-looking but unreliable date.
How should you read the result?
Seeing more than one option is not an error. Each option can represent a different statutory retirement route available to the same person.
Within each route, the calculator shows the required conditions separately. A condition that does not apply is identified as such; a condition that is already met or can be projected is shown with the corresponding date.
The “all conditions met” date is the first date on which every requirement for that route is satisfied. If an older transition rule depends on a historical premium-threshold date that cannot be derived from the current total alone, the calculator reports that limitation instead of inventing a date.
What if I do not know my premium days?
If you leave current premium days blank, the calculator may estimate them by assuming uninterrupted work from first insurance and 360 premium days per year. That number is an estimate, not your SGK service record.
If you enter your current total, that total becomes the actual input. However, today’s total does not necessarily reveal the historical date on which you first reached a threshold such as 3,600 or 5,400 days.
Some older transition rules depend on the date a premium threshold was reached. If that date cannot be derived safely from the available data, the calculator can return a needs-history state rather than assigning an age band by assumption.
How is EYT handled?
For retirement routes covered by EYT, removal of the age condition does not automatically remove the other statutory conditions. Required insurance/service duration and premium conditions continue to apply.
When the calculator identifies an EYT route, it does not keep the waived age requirement as an active condition, but it continues to evaluate the remaining duration and premium requirements.
How are disability, work-capacity loss and malullük handled?
Work-capacity-loss or disability-based old-age pension routes are not the same legal route as malullük. The applicable rule can depend on the percentage, whether the condition existed before or arose after insurance, and the person’s insurance status.
Where supported, the calculator can show a separate special route alongside normal retirement routes when the entered facts make that route relevant.
The calculator evaluates statutory routes using the health/disability information entered by the user. It cannot issue or replace an SGK determination of malullük or work-capacity-loss percentage.
Which cases are outside the calculator’s scope?
The calculator is designed for single-status cases and the statutory routes implemented in its rule engine. Some personal histories require more detailed service records or special rules that should not be compressed into an automated estimate.
- Service combination across 4A, 4B and 4C and determination of the pension-award status
- Effects of military, birth or overseas service borrowing on the first insurance date
- Fiili hizmet süresi zammı / yıpranma
- Certain profession- or rank-specific 4C age limits
- Special provisions for women with a severely disabled child
- Mining, early-ageing and vazife malullüğü routes
- Calculation of the pension amount
Why can the result differ from SGK?
The most common reason is that the information entered does not fully match the person’s actual SGK service history. Premium gaps, status changes, borrowing, service combination or special statutory provisions can change the outcome.
Checking the first insurance date and current premium-day total against the SGK service record is especially important. For 4C users, the actual public-service start date may also matter.
When the calculator asks for more history or returns an out-of-scope state instead of a precise date, that is a deliberate safeguard against producing an official-looking answer from incomplete information.
Does this calculator estimate the pension amount?
No. This calculator evaluates retirement eligibility routes and the timing of their conditions; it does not calculate the amount of the retirement pension.
Pension amount depends on registered earnings, work periods, pension-award formulas and personal SGK records. “When can I retire?” and “How much pension will I receive?” are separate questions.
Frequently Asked Questions
When can I retire in Turkey?
It depends on your date of birth, gender, first insurance date, 4A/4B/4C status, premium days and any relevant special circumstances. The calculator may show several statutory routes rather than one age only.
Why do I see more than one retirement option?
Because the same person may have more than one possible statutory route, such as full retirement, partial retirement, an EYT route or a supported special route.
Can I use the calculator if I do not know my premium days?
Yes, but the calculator may then use a continuous-work estimate based on 360 premium days per year. If you know the real SGK/e-Devlet total, entering it is more reliable.
Does EYT remove every retirement condition?
No. On the relevant EYT route the age requirement may be waived, while insurance/service duration and premium conditions still remain where the law requires them.
Is the disability or malullük result an official medical decision?
No. The calculator evaluates the statutory route using the information entered; it does not replace an SGK medical-board or malullük determination.
What if I have worked under 4A, 4B and 4C?
Mixed-status histories may require service combination and a separate decision on which status governs the pension award. The calculator does not reduce that situation to a guessed single-status result.
Does the calculator estimate my pension amount?
No. It evaluates retirement eligibility routes and timing. Pension amount requires different data and calculation rules.