SSA Pension Combiner
Calculate combined pension eligibility across India and your host country under India's Social Security Agreements
India has signed Social Security Agreements (SSA) with multiple countries. This calculator shows the 13 app-supported SSA countries where NRI Tools has country data, allowing NRIs to combine contribution years across India and the host country for pension eligibility checks.
Countries can be absent even if they are supported elsewhere in NRI Tools: either India does not have a relevant SSA for pension totalization there, or this calculator has not modeled that country's SSA pension rules yet.
Example: Germany requires 5 years of contributions for pension. If you worked 3 years in Germany and 7 years in India, SSA lets you combine them (10 years total) — qualifying for pension in both Germany and India. Without SSA, your 3 German years would yield ₹0 pension.
SSA also provides a Certificate of Coverage (CoC): if your Indian employer temporarily posts you abroad, you can get a CoC from EPFO to avoid double social security contributions in the host country.
No pension-totalization SSA with the United States. US-India negotiations are ongoing, but no agreement is in force as of 2026. The UK signed a contribution-focused agreement with India in February 2026, but this pension combiner only lists countries currently supported by NRI Tools with SSA pension-totalization data.
Eligibility Calculator
Min. for pension: 5 years · Retirement age: 67
Min. for EPS pension: 10 combined years with at least 1 India EPS year
14
Combined years
India EPFO EPS Estimated Monthly Pension
₹1,714/month
Formula uses actual India EPS service only: (₹15,000 pensionable salary × 8 service years) ÷ 70
Note: EPFO EPS pensionable salary is capped at ₹15,000/month regardless of actual salary. Most EPS pensions are modest. Supplement with NPS or other savings.
Germany pension estimate: Contact German State Pension (https://www.deutsche-rentenversicherung.de) to get a personalised pension projection — amounts vary significantly by earnings history.
SSA totalization can help meet India EPS eligibility, but the India EPS amount is still based only on your actual India EPS service.
Germany — SSA Key Notes
In force since: 2009-10-01
- • Minimum 5 years (60 months) total for pension eligibility — can be met via totalization with India
- • German pension is earnings-related: each year contributes roughly 1 Entgeltpunkt
- • You receive pension proportional to your actual years in Germany only
- • Apply through Deutsche Rentenversicherung; they coordinate with EPFO
Pension estimates are approximate and for educational purposes only. Actual benefits depend on earnings history, specific rules of each country, and treaty interpretation. Consult EPFO and the host country's social security authority for authoritative calculations.