ZPIZ, mandatory contributions and voluntary supplementary pension: everything about the samozaposleni pension system in Slovenia. Legal age 65, contribution rate 24.35%.
65 / 60
Legal retirement age
24.35%
Pension contribution rate
~EUR 620/mo
Minimum pension (varstveni dodatek)
40 years
Full career
In Slovenia, all self-employed workers (samozaposleni) are mandatorily enrolled in the public pension and disability scheme managed by ZPIZ. The system relies on a strong first pillar and a voluntary supplementary second pillar.
ZPIZ is the public pension and disability insurance institute of Slovenia. It manages the mandatory first pillar for all workers, including the self-employed. Retirement age is 65, or 60 with 40 years of insurance. A minimum of 15 contribution years is required.
Samozaposleni pay the full pension and disability contributions, totalling 24.35% of their insurance base.
"Employee" part: 15.5% of the insurance base
"Employer" part: 8.85% of the insurance base
Insurance base: declared profit (minimum = 60% of average monthly salary, approx. EUR 1,380/month)
Slovenia offers a voluntary supplementary pension scheme (prostovoljno dodatno pokojninsko zavarovanje) accessible to the self-employed. This second pillar supplements the public pension.
Tax advantage: second-pillar contributions are deductible up to 24% of mandatory contributions or 5.844% of gross annual salary.
Your insurance base determines both your contributions and your future entitlements. If your income allows, declaring a higher base than the minimum significantly improves your pension.
The voluntary supplementary pension offers an immediate tax advantage and additional retirement income. Contributions are tax-deductible from your taxable base.
Without 15 contribution years, no pension entitlement is opened. If you have worked in multiple EU countries, periods can be aggregated under EU coordination regulations.
Early retirement at 60 requires 40 full years of insurance. Each missing year postpones departure. Plan early to maximise your options.
Our AI calculates your pension entitlements across all 27 EU countries, including ZPIZ and the supplementary pension for Slovenia.
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