What information do I need to enter to use the BES Pension Return calculator?

You enter your monthly contribution amount, term (years), annual return expectation, annual inflation, and government contribution rate. Based on these values, your end-of-term savings, your total contributions, your government contribution, and your net return are calculated.

How much is the government contribution and is there an upper limit?

A government contribution of 30% of the money you deposit is calculated, and this contribution is up to the limit of 4 times the annual gross minimum wage. The government contribution has been applied at 30% since 2013; the annual contribution ceiling and vesting period are determined by EGM.

When do I become entitled to the full government contribution?

When you meet the condition of 10 years and age 56, you become entitled to 100% of the government contribution. If you exit before 10 years, you lose a significant portion of the government contribution and withholding tax is applied.

Where is the information I enter processed?

The information you enter is processed on the server.

BES Return Calculator

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.

Monthly Contribution (₺)

Term (years)

Expected Annual Return (%)

Annual Inflation (%)

State Contribution Rate (%)

Include state contribution (up to the 4× annual gross minimum wage limit)

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 ₺

Year-by-Year Accumulation Growth

Shows how your balance grows over the 20-year term (year-end balances).

Year	Year-End Balance
1	35.754 ₺
2	81.518 ₺
3	140.097 ₺
4	215.078 ₺
5	311.054 ₺
6	433.903 ₺
7	591.149 ₺
8	792.425 ₺
9	1.050.058 ₺
10	1.379.827 ₺
11	1.801.933 ₺
12	2.342.228 ₺
13	3.033.805 ₺
14	3.919.024 ₺
15	5.052.105 ₺
16	6.502.448 ₺
17	8.358.887 ₺
18	10.735.129 ₺
19	13.776.719 ₺
20	17.669.954 ₺

💡 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

Enter values

Fill required numbers in the form.

Pick parameters

Currency / date / rate / bracket.

Compute

Result appears instantly.

Copy / share

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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.

Frequently asked questions

No, there is no saved/automatic comparison interface; to see different scenarios, you need to manually change the fields and recalculate.

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Private Pension (BES) Return Calculator