When to retire? February, July and 2027 may increase your benefit

The decision to retire is one of the most important moments in your professional life. It is worth considering it carefully and choosing the most favorable date. February and July are months that can have a real impact on your finances. Don't be rushed - this is where patience really pays off.

Indexations – the key to a higher pension

Every year, retirees can count on two important indexation. The first is the March indexation, which increases the value of already paid benefits, adjusting them to inflation. The second one, in June, concerns the capital accumulated on the pension account in ZUS and increases the sum of contributions that will be the basis for calculating the future pension.

Why is it so important? If you submit your pension application in February, your benefit will be indexed in March, which means an increase in the second month of receiving your pension. In turn, July is favorable due to the June capital indexation - then your contributions are increased and the calculated pension may be higher.

Wait until 2027 - you can only gain

If you became eligible for a pension in the second half of 2026, experts advise not to apply immediately. Waiting until 2027 will allow not only to increase the value of collected contributions, but also to reduce the number of months of the so-called average further life, which has a direct impact on the amount of the benefit. The later you apply, the higher your pension could be.