Private Pension (BES) Return Calculator
Calculate your private pension (BES) maturity balance, state contribution (30%), and real (inflation-adjusted) return based on monthly contribution, annual return and term.
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This tool only performs calculations and is NOT investment or financial advice. Rates/taxes change; verify with official sources (bank, accountant, SPK-licensed advisor) before acting.
Maturity Balance
17.669.954 ₺
Real Value (inflation-adjusted)
10.468 ₺
Your Total Contribution
480.000 ₺
Total State Contribution
144.000 ₺
Net Return (interest)
17.045.954 ₺
💡 About Private Pension (BES)
State contribution: About 30% of what you contribute (up to the 4× annual gross minimum wage limit). You become entitled to 100% of it after 10 years of participation plus reaching age 56.
Early withdrawal: Withdrawing before 10 years means losing a significant part of the state contribution, plus withholding tax applies.
Real value: What the maturity balance is worth in today’s purchasing power (inflation effect removed).
Important: The 28% return assumption is a historical average — future returns are not guaranteed. A conservative estimate would be 15-20%.
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📖 How to Use
1
Enter values
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2
Pick parameters
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3
Compute
Result appears instantly.
4
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💰 This tool is not financial advice — it is only a calculation aid. For investment decisions, consult a licensed investment advisor. Past performance does not guarantee future returns.