65 years old and 20 years of contribution for men; 62 years and 15 years for women (EC 103/2019, art. 19). It is the only rule that applies to everyone, even those who started contributing after 13/11/2019.
Carregando ferramenta… / Loading tool…
Simulate EC 103/2019 retirement rules and find the most advantageous.
Brazil's 2019 pension reform (EC 103/2019) ended retirement based on contribution time alone and created four transition rules for those already contributing, protecting people who were close to retiring. This tool simulates the definitive rule (art. 19, 65 years old and 20 years of contribution for men; 62 and 15 for women) side by side with the four transitions: the points rule (art. 15, age plus contribution time, with the required total rising 1 point per year), the progressive minimum age rule (art. 16, minimum age rising 6 months per year up to 65 for men and 62 for women), the 50% pedagio (art. 17, for those within 2 years of retirement on 13/11/2019, no minimum age), and the 100% pedagio (art. 20, with a minimum age of 60 for men and 57 for women, and a fixed 100% coefficient). All four transitions only apply to those already affiliated with RGPS before 13/11/2019. For each rule the tool shows whether you already meet the requirements, how many days remain, and the estimated RMI (initial monthly benefit), calculated with the progressive coefficient of art. 26 (60% of the average salary at the minimum time, plus 2% for each additional year, up to 100%, except in the 100% pedagio, which is always 100%). The average salary used is the mean of 100% of contribution salaries adjusted since July 1994, with no discard of the lowest values (art. 26 of EC 103/2019, which replaced the old average of the top 80% of salaries under Law 8.213/1991). The RMI shown already applies the current floor of one minimum wage and the RGPS ceiling. Everything is an educational estimate: the official simulation depends on the CNIS record and must be confirmed with INSS or a social security attorney.
Before the pension reform, it was possible to retire on contribution time alone, with no minimum age. EC 103/2019 abolished that model and, to protect those already in the system on 13/11/2019, designed four transition rules on top of the definitive rule, which applies to everyone. Since one person may qualify under more than one, the strategy is to compare all of them and choose the one already met, or the one closest to being met.
The definitive rule (art. 19) requires a minimum age plus a minimum contribution time: 65 years and 20 of contribution for men; 62 years and 15 for women. The four transitions, restricted to those already contributing before the reform, require a longer minimum time (35 years for men, 30 for women): the points rule (art. 15) adds age and contribution time; the progressive minimum age rule (art. 16) requires an age that rises 6 months per year; and the two pedagios (art. 17 and art. 20) are shortcuts for those who were already close to retiring on 13/11/2019, the reform date.
The coefficient starts at 60% and grows 2% for each year of contribution above the art. 26 minimum time (20 years for men, 15 for women). A man with 35 years of contribution has 60% + (35 − 20) × 2% = 90%. Applied to an illustrative average salary of R$ 3,000 (already the average of 100% of salaries since Jul/1994), that yields an estimated RMI of R$ 2,700 per month (3,000 × 0.90). The same formula applies to the definitive rule, the points rule, the progressive minimum age, and the 50% pedagio.
The 100% pedagio is the exception: its coefficient is always 100% of the average, with no reduction, but it requires a minimum age of 60 (men) or 57 (women) plus the full time plus double whatever was missing on 13/11/2019. With the same illustrative average salary of R$ 3,000, the RMI would be a full R$ 3,000. That is why the tool calculates every rule side by side and highlights, among those already met, the one with the highest RMI, always respecting the RGPS floor and ceiling.
The RMI shown is an educational estimate (average salary × coefficient), already with the current floor of one minimum wage and the RGPS ceiling applied automatically. Even so, the official benefit depends on the salaries actually recorded and adjusted in the CNIS, data only INSS consolidates. Special periods (rural time, hazardous work, concurrent jobs) and rounding can change the final amount; for contribution time itself, with overlaps and special-time conversion, use the Contribution Time Calculator.
This tool covers only the RGPS (INSS). Civil servants follow the RPPS, with distinct rules set by EC 103/2019 for each government entity. Before making any decision, confirm your record on Meu INSS or with a social security attorney.
Paste the code into your HTML and the tool shows up on your page, without J-Kit's navigation and ads. It still runs in the browser of whoever visits your site.
<iframe
src="https://jkit.tools/embed/en-US/retirement-rules-simulator"
width="100%"
height="600"
style="border:0"
loading="lazy"
title="Retirement Rules Simulator (EC 103/2019)"
></iframe>These references help contextualize formulas, standards, APIs and limitations used on this page. They do not replace professional validation when a result has legal, financial, medical or operational impact.
65 years old and 20 years of contribution for men; 62 years and 15 years for women (EC 103/2019, art. 19). It is the only rule that applies to everyone, even those who started contributing after 13/11/2019.
⚠️ Educational estimate. Consult INSS or a social security attorney for official simulation.
EC 103/2019, art. 16; idade mínima sobe 6 meses por ano até o teto (65 anos para homens, 62 para mulheres).
Simulação baseada na EC 103/2019 e restrita ao RGPS (INSS); servidores do RPPS seguem regras próprias. Consulte o CNIS no Meu INSS ou um advogado previdenciarista antes de decidir.
The RMI already applies the current floor of one minimum wage (R$ 1.621,00) and the current RGPS ceiling (R$ 8.475,55) automatically.