State pension age in Croatia (2026)

Last reviewed: 31 October 2026

In short: The statutory old-age pension age in Croatia is 65 with 15 years of service. Women retire slightly earlier until 2029 (64 years in 2026), and conditions are equal from 1 January 2030.

RuleWhat applies
Statutory pension age in 2026Statutory old-age pension65 years of age with 15 years of pension service. In the transitional period 2020 to 2029 women retire earlier: 64 years in 2026, 64 years 3 months in 2027, 64 years 6 months in 2028 and 64 years 9 months in 2029; from 1 January 2030 the conditions for women and men are equal. [1]
Highest age already set in law or official publicationStatutory old-age pension65 years for everyone from 1 January 2030, when the conditions for women and men are equalised. [1]
Scheduled path of the ageStatutory old-age pensionWomen: 64 years in 2026, 64 years 3 months in 2027, 64 years 6 months in 2028, 64 years 9 months in 2029. Men: 65 years. From 1 January 2030 equal conditions. [1]
Early retirement (national rule)Statutory old-age pensionEarly old-age pension: 60 years of age and 35 years of pension service. For women in 2026 the conditions are 59 years of age and 34 years of service, rising by 3 months a year to 59 years 9 months and 34 years 9 months in 2029. The starting factor is reduced by 0.2 per cent for each month of earlier retirement; from 1 January 2026 this reduction ends from the month in which the pensioner turns 70. An old-age pension for long-term insured people is available at 60 years of age with 41 years of insurance. [2]

Notes

  • The long-term insured rule (60 years of age and 41 years of insurance) comes from the HZMO old-age pension page; the early pension details come from the early pension page.

Sources

  1. Hrvatski zavod za mirovinsko osiguranje (HZMO): Starosna mirovina (consulted 31 October 2026) · all sources
  2. Hrvatski zavod za mirovinsko osiguranje (HZMO): Prijevremena starosna mirovina (consulted 31 October 2026) · all sources

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