Anyone who works in Italy contributes to the Italian pension system—and those coming from abroad often wonder: When can I retire, and do my years of contributions in Germany count toward my pension? This guide explains the Italian pension system in an easy-to-understand way. (Note: This is a general overview; it’s best to clarify your specific eligibility with a Patronato or the INPS.)
The System: INPS and Contributions
The agency responsible for the statutory pension is the INPS (Istituto Nazionale della Previdenza Sociale). While you're working, Articles (contributions) from wages or self-employment. Some independent professionals pay into their own professional funds instead (casse).
Old-Age Pension: pensione di vecchiaia
The regular Old-Age Pension (old-age pension) will be available in 2026 with 67 years and at least 20 years of contributions. This age has been confirmed for 2025 and 2026; in the future, it may be adjusted based on life expectancy.
Moving to Italy as a Retiree: A Guide
Visas or EU freedom of movement, the 7% flat-rate tax in the south, health insurance through S1/SSN, and the best regions—your guide to retirement in Italy.
Early retirement: pensione anticipata
It is also possible to exit early:
- Ordinary Early Retirement: regardless of age, with 42 years and 10 months Entries (men) or. 41 years and 10 months (Women).
- Contribution System (starting in 1996): Early retirement with 64 years, 20 years of contributions, and a minimum pension amount.
- APE sociale: government advance starting at 63 years and 5 months for certain physically demanding occupations or vulnerable groups.
Combining EU contribution periods
Good news for immigrants: Through the EU Aggregation (aggregation/cumulo) include your Contribution periods from other EU countries (and from countries that are parties to the agreement) toward the pension entitlement. Each country ultimately pays its share, based on the contributions paid there.
Applying for a Pension and Foreign Pensions
You should submit the application to the INPS – online with SPID or for free via a Patronage. Do you receive a German pension and if you live in Italy, it will be paid abroad; however, be aware of the tax implications (see Double Taxation). Our guide provides a comprehensive overview of retirement Emigrating as a Retiree.
What You Need to Do Next
Get an overview of your contribution years (in Italy and abroad), check your eligibility and the correct timing with a patronato, and clarify the aggregation of EU contribution periods early on. If you receive a pension from Germany, be sure to factor in the tax implications as well.
FAQ - Frequently Asked Questions About Pensions in Italy
Sources
- INPS – Old-Age and Early Retirement Pensions (accessed in June 2026)
- Your Europe (European Union) – State Pensions Abroad (accessed in June 2026)
