People working in Luxembourg only receive their official pension entitlement with the CCSS notification — usually from age 55. Until then, retirement planning remains a black box: no reliable figures, no planning basis, missed optimisation opportunities.
LuxRente reads your CCSS extrait de carrière and calculates not just your pension projection — but individually assesses when and how you can retire. Locally on your iPhone. No data ever leaves the device.
With LuxRente you can see the pension entitlements you have accrued to date, based on your complete career data. No need to wait for the official CCSS notification.
LuxRente creates a projection of your expected retirement pension using realistic assumptions for salary development and index adjustments — right up to your 65th birthday.
LuxRente individually checks whether you can retire as early as 57 or 60 — including EU periods abroad under Regulation 883/2004. The official portal shows an amount without ever verifying whether you are actually eligible.
Anyone who has worked outside Luxembourg may be entitled to a proportional pension under EU Art. 52 (Reg. 883/2004). LuxRente calculates both options and shows which is more favourable for you. The CCSS website does not offer this comparison.
LuxRente checks your AMVP eligibility and shows the potential tax deduction directly within your estimate. A benefit that no other calculator even mentions.
Voluntary pension insurance (Art. L.211-4 CSL) is attractive — but explained clearly nowhere. LuxRente shows you to the cent what you can contribute monthly and what that concretely means for your pension.
LuxRente runs all calculations locally. No server, no cloud upload, no account required. Privacy by design in accordance with GDPR. Available in German, French and English.
| Feature | LuxRente | Other Online Calculators |
|---|---|---|
| Accrued entitlements before 55 | ✓ | — |
| Automatic reading of the Extrait | ✓ | — |
| Early retirement eligibility individually assessed | ✓ | — |
| AMVP tax deduction up to €9,000 / year | ✓ | — |
| Voluntary contributions (calculator) | ✓ | rarely |
| Local processing (no cloud upload) | ✓ | — |
| CCSS assessment base check | ✓ | — |
| Proportional pension assessed (EU Art. 52) | ✓ | — |
| Complete PDF report | ✓ | — |
LuxRente is available in three languages — Deutsch, Français, English — for cross-border careers and international teams in Luxembourg.