| Annual average inflation rate | 2% |
| Monthly average income | 1,000 |
| Annual average income growth | 1% |
| Annual rate of return (1ast level) | 0% | Indexation | =65-7-12-5-5 |
| Annual rate of return(2nd level) | 3% |
| Annual rate of return (3rd level) | 3% |
| Income tax | 20% |
| Social tax for 1st level | 14% |
| Social tax for 2nd level | 6% |
| Annual rate of return ( alternative investements) | 12% |
| How much to invest in 3rd Level | 5% | Financed by taxes on salary | Financed by own money |
| Years | Salary | Monthly Investments into 1st Level | Monthly Investments into 2nd Level | Accumalated Capital in 1st Level | Accumalated Capital in 2nd Level | Monthly Investements into 3rd Level | Accumalated Capital in 3rd Level | Annual Tax refund | Accumulated Capital in alt.investments |
| 1 | 1000 | 140 | 60 | $1,680 | $730 | 50 | $608 | 120 | $120 |
| 2 | 1010 | 141 | 61 | $3,377 | $1,489 | 51 | $1,241 | 121 | $256 |
| 3 | 1020 | 143 | 61 | $5,091 | $2,279 | 51 | $1,900 | 122 | $409 |
| 4 | 1030 | 144 | 62 | $6,821 | $3,101 | 52 | $2,584 | 124 | $581 |
| 5 | 1041 | 146 | 62 | $8,570 | $3,955 | 52 | $3,296 | 125 | $776 |
| 6 | 1051 | 147 | 63 | $10,335 | $4,842 | 53 | $4,035 | 126 | $995 |
| 7 | 1062 | 149 | 64 | $12,119 | $5,764 | 53 | $4,804 | 127 | $1,242 |
| 8 | 1072 | 150 | 64 | $13,920 | $6,722 | 54 | $5,602 | 129 | $1,520 |
| 9 | 1083 | 152 | 65 | $15,739 | $7,717 | 54 | $6,431 | 130 | $1,832 |
| 10 | 1094 | 153 | 66 | $17,577 | $8,750 | 55 | $7,292 | 131 | $2,183 |
| 11 | 1105 | 155 | 66 | $19,432 | $9,823 | 55 | $8,186 | 133 | $2,578 |
| 12 | 1116 | 156 | 67 | $21,307 | $10,936 | 56 | $9,114 | 134 | $3,021 |
| 13 | 1127 | 158 | 68 | $23,200 | $12,091 | 56 | $10,076 | 135 | $3,519 |
| 14 | 1138 | 159 | 68 | $25,112 | $13,290 | 57 | $11,075 | 137 | $4,077 |
| 15 | 1149 | 161 | 69 | $27,043 | $14,533 | 57 | $12,111 | 138 | $4,705 |
| 16 | 1161 | 163 | 70 | $28,993 | $15,823 | 58 | $13,186 | 139 | $5,409 |
| 17 | 1173 | 164 | 70 | $30,963 | $17,160 | 59 | $14,300 | 141 | $6,198 |
| 18 | 1184 | 166 | 71 | $32,953 | $18,547 | 59 | $15,455 | 142 | $7,084 |
| 19 | 1196 | 167 | 72 | $34,962 | $19,984 | 60 | $16,653 | 144 | $8,078 |
| 20 | 1208 | 169 | 72 | $36,992 | $21,474 | 60 | $17,895 | 145 | $9,192 |
| 21 | 1220 | 171 | 73 | $39,042 | $23,017 | 61 | $19,181 | 146 | $10,442 |
| 22 | 1232 | 173 | 74 | $41,112 | $24,617 | 62 | $20,514 | 148 | $11,842 |
| 23 | 1245 | 174 | 75 | $43,203 | $26,274 | 62 | $21,895 | 149 | $13,413 |
| 24 | 1257 | 176 | 75 | $45,315 | $27,991 | 63 | $23,326 | 151 | $15,173 |
| 25 | 1270 | 178 | 76 | $47,449 | $29,770 | 63 | $24,808 | 152 | $17,147 |
| 26 | 1282 | 180 | 77 | $49,603 | $31,611 | 64 | $26,343 | 154 | $19,358 |
| 27 | 1295 | 181 | 78 | $51,779 | $33,518 | 65 | $27,932 | 155 | $21,836 |
| 28 | 1308 | 183 | 78 | $53,977 | $35,493 | 65 | $29,577 | 157 | $24,614 |
| 29 | 1321 | 185 | 79 | $56,197 | $37,537 | 66 | $31,281 | 159 | $27,726 |
| 30 | 1335 | 187 | 80 | $58,439 | $39,653 | 67 | $33,044 | 160 | $31,213 |
| 31 | 1348 | 189 | 81 | $60,703 | $41,843 | 67 | $34,869 | 162 | $35,120 |
| 32 | 1361 | 191 | 82 | $62,990 | $44,109 | 68 | $36,758 | 163 | $39,498 |
| 33 | 1375 | 192 | 82 | $65,300 | $46,454 | 69 | $38,712 | 165 | $44,403 |
| 34 | 1389 | 194 | 83 | $67,633 | $48,881 | 69 | $40,734 | 167 | $49,898 |
| 35 | 1403 | 196 | 84 | $69,989 | $51,392 | 70 | $42,826 | 168 | $56,054 |
| 36 | 1417 | 198 | 85 | $72,369 | $53,989 | 71 | $44,991 | 170 | $62,951 |
| G= | 19 |
| Level | Accumulated Capital | Annual Pension | Monthly Pension | In Current Prices |
| 1st | $72,369 | $3,809 | $317 | 156 |
| 2nd | $53,989 | $2,842 | $237 | 116 |
| 3rd | $44,991 | $2,368 | $197 | 97 |
| Alt. Inv. | $62,951 | $3,313 | $276 | 135 | How much to reserve | 70% |
| Total | $1,028 | $504 | Av.Salary in 36 Years | 2040 |
| Rate Of Return | 8% |
| Pension Year | Age | Annual State Pension | Capital from 2nd level | Private Capital | Capital (total) | Avilable Capital | Reserve for 1 year | Capital in the beginning | Capital in the End |
| 1 | 66 | $3,809 | $10,798 | $107,941 | $118,739 | 17135 | $101,604 | 109732 |
| 2 | 67 | $3,809 | $10,798 | $120,530 | 17135 | $103,395 | 111667 |
| 3 | 68 | $3,809 | $10,798 | $122,465 | 17135 | $105,329 | 113756 |
| 4 | 69 | $3,809 | $10,798 | $124,554 | 17135 | $107,419 | 116012 |
| 5 | 70 | $3,809 | $10,798 | $126,810 | 17135 | $109,675 | 118449 |
| 6 | 71 | $3,809 | $118,449 | 17135 | $101,314 | 109419 |
| 7 | 72 | $3,809 | $109,419 | 17135 | $92,284 | 99666 |
| 8 | 73 | $3,809 | $99,666 | 17135 | $82,531 | 89134 |
| 9 | 74 | $3,809 | $89,134 | 17135 | $71,999 | 77759 |
| 10 | 75 | $3,809 | $77,759 | 17135 | $60,624 | 65474 |
| 11 | 76 | $3,809 | $65,474 | 17135 | $48,339 | 52206 |
| 12 | 77 | $3,809 | $52,206 | 17135 | $35,071 | 37876 |
| 13 | 78 | $3,809 | $37,876 | 17135 | $20,741 | 22400 |
| 14 | 79 | $3,809 | $22,400 | 17135 | $5,265 | 5687 |
| 15 | 80 | $3,809 | $5,687 | 17135 | -$11,448 | -12364 |
| 16 | 81 | $3,809 | -$12,364 | 17135 | -$29,499 | -31859 |
| 17 | 82 | $3,809 | -$31,859 | 17135 | -$48,994 | -52914 |
| 18 | 83 | $3,809 | -$52,914 | 17135 | -$70,049 | -75653 |
| 19 | 84 | $3,809 | -$75,653 | 17135 | -$92,788 | -100211 |
| 20 | 85 | $3,809 | -$100,211 | 17135 | -$117,346 | -126734 |
| 21 | 86 | $3,809 | -$126,734 | 17135 | -$143,869 | -155378 |
| 22 | 87 | $3,809 | -$155,378 | 17135 | -$172,513 | -186314 |
| 23 | 88 | $3,809 | -$186,314 | 17135 | -$203,449 | -219725 |
| 24 | 89 | $3,809 | -$219,725 | 17135 | -$236,860 | -255809 |
| 25 | 90 | $3,809 | -$255,809 | 17135 | -$272,944 | -294780 |