🏦 Topic
Pension & retirement in Belgium
State pension, income guarantee for the elderly, supplementary pension for company directors: three distinct mechanisms, each with its own rules.
Three mechanisms, three audiences
The state pension applies to every employee and depends on career history. GRAPA is a means-tested safety net for elderly people with low income. The EIP (individual pension commitment) specifically concerns company directors who want to build a supplementary pension within legal limits.
Ballpark figures, not an official calculation
These three calculators give an estimate based on official scales and rules, but do not replace the official tools (mypension.be for the state pension) nor professional advice when setting up an EIP.
Frequently asked questions
What is the difference between the state pension and GRAPA?
The state pension is calculated from your career (salary, years worked). GRAPA (income guarantee for the elderly) is means-tested support for people with a low or non-existent pension, independent of career history.
What is the EIP and the 80% rule?
The individual pension commitment (EIP) is a supplementary pension a company director can build up. The 80% rule caps total pensions (state + supplementary) at 80% of the last normal gross annual salary.
Do these estimates replace my official career statement?
No. These are ballpark figures based on official scales. For an exact calculation of your state pension, consult your career account on mypension.be.
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