How delaying retirement in Russia can more than double your pension
In Russia, working pensioners currently receive an average monthly pension of 22,378.72 rubles. Delaying retirement can significantly boost this amount. A 10-year postponement more than doubles the overall pension, with non-working pensioners already receiving 25,847.43 rubles per month as of October 1, 2025.
Delaying retirement by five years increases pension coefficients by 36% and the fixed payment by 45%. A 10-year delay results in a 2.32-fold increase in individual pension coefficients and a 2.11-fold increase in the fixed portion. This means that for every year worked beyond the standard retirement age, pensioners can expect a substantial boost to their future pension.
Old-age pensions are awarded upon a citizen’s application, giving them the flexibility to choose the most advantageous pension option. This could involve delaying retirement to secure a higher pension or retiring early and accepting a lower pension.
The Russian pension system incentivizes working longer with significant increases in pension amounts for those who delay retirement. As of October 1, 2025, the average old-age pension stands at 25,198.22 rubles per month, with extra points continuing to accrue during the retirement delay period. This provides a clear financial benefit for those who choose to work beyond the standard retirement age.
