The pension service borrowing calculator provided by Hesapstan applies 32% of selected daily insurable earnings for birth borrowing and 45% for other borrowing.
Calculation
Total = days × selected daily earnings × type factor. Earnings must be within SGK limits on the application date.
At 1,101 TL daily earnings, 100 birth-borrowing days estimate to 35,232 TL.
For 2026, daily earnings must fall between 1,101–9,909 TL; this range expires 31 December 2026 even if the statutory percentages remain unchanged, and is updated by SGK's next annual notice.
Scope
SGK determines the assessment from current limits and insurance status. This tool cannot verify eligibility.
- Birth borrowing (Article 41(a)) uses 32%; other general Article 41 borrowing uses 45%.
- Law No. 5434 public-service borrowing, Law No. 3201 overseas borrowing, the special 39% partial-time case, and separate student/security-personnel calculations are outside this tool's scope.
- You enter selected daily earnings; no live value is fetched.
- Deadlines and retirement date are excluded.
Pension borrowing example
For 100 days of birth borrowing at the 2026 minimum 1,101 TL daily earnings, the tool shows 1,101 × 100 × 32% = 35,232 TL. With the other-borrowing type, the same values use 45%, producing 49,545 TL.
Eligibility, borrowable day count, earnings floors/ceilings and application approval are determined by SGK records.
The result is an arithmetic interpretation of entered values; it does not replace official action or professional review.
Outside the scope
- No live application, approval or official-record check is performed.
- The tool cannot validate the real-world correctness of wrong input values.
- Current special conditions should be confirmed with the relevant institution, bank, brand or official source.
Frequently Asked Questions
How is daily cost found?
Selected daily earnings are multiplied by 32% or 45% according to type.
Is this an SGK assessment?
No. It is an informational estimate.
Is the result a final decision?
No. The tool calculates from entered values only and does not replace an official, medical, legal, financial or institutional decision.
What happens with wrong input?
Invalid or out-of-range values are rejected; accepted results still depend on the values entered by the user.
How should I use the example result?
Use it for planning, checking and comparison; verify with the relevant official source, institution, bank, brand or professional before acting.
Which fields affect the result most?
Visible amount, rate, date, day, installment, score or selector fields directly change the result.
Does it use live data or submit an application?
No. It does not perform live application, approval, inquiry or official-record checks.