How we estimate

Who builds this

Clerio is an independent, pre-launch product being built in Luxembourg to bring clarity to retirement for people whose careers crossed borders — pulling a pension scattered across countries and systems into one clear picture. The full product builds that picture from your actual statements; what you can use today is the indicative estimate described below.

How the estimate works

For each country you've worked in, we estimate the state and mandatory workplace pension you'd build up there, following that country's own rules — accrual rates, contribution ceilings, and any flat-rate or minimum components. The figures are built from official statutory formulas and OECD data, and aim at a realistic central estimate — not a best or worst case.

• Each country's own contribution ceiling applies — earnings above it stop adding to the pension, just as in the real scheme.
• Earlier-career years are valued on your likely pay back then, not today's salary, since pensions build on your whole career.
• Where a country doesn't fit a single rate, it gets its own treatment — for example the Dutch flat-rate state pension (AOW) plus workplace accrual, the Swiss two pillars (AHV + BVG), or the UK's flat-rate State Pension.
• The result is a band, not a single figure — wider where a country's system is harder to pin down — because your real records will shift it.

What it covers — and what it doesn't

It covers the pensions you're required to pay into — state and mandatory workplace schemes — across the EU, the UK and Switzerland. Personal pensions, voluntary top-ups and other savings aren't included, and time worked outside these countries isn't counted yet — so where those apply, your real total is higher than shown. It's an indicative estimate, not financial advice and not a verified projection.