The service is free and built into the SberBank Online mobile app. It is straightforward to use for anyone who holds a Sberbank card, though some readers may not have one yet.
To obtain a current pension certificate, users should register and open the Pensions section. By granting the app permission to access state services data and agreeing to personal data processing, the certificate for today can be generated with one click.
The system requires a few minutes to prepare the document. When ready, the app displays the current funded pension amount and the projected monthly insured pension. It also provides details on pension points and total service years.
The pension service was tested, and the results are discussed. A light aside on vehicle ownership was included, exploring how retirement income could support maintaining a car without lowering living standards.
Tatyana K., 23 years old, secretary
Tatyana, humor intact, took on the task of testing the pension service after describing a recent life phase. Her monthly expenses hover around 80 thousand rubles, with roughly 40 thousand for housing, 20 thousand for a car (loan payments rather than daily driving), 5 thousand for fitness, and the remaining 15 thousand allocated to smaller, less predictable costs. Food and entertainment are part of a young person’s lifestyle. She believes retirement, or early retirement, could bring housing ownership and a car without debt.
The report shows her monthly insurance pension could reach about 8,300 rubles. Her work experience is still growing. The option to join a financial instrument called an individual retirement plan IPP is presented. Initial calculations suggest that with a first IPP contribution of 5,000 rubles and the same monthly payments thereafter, retirement savings could approach 7 million rubles, with a monthly pension around 57,150 rubles. This would cover essentials like fuel and fitness, with room to spare.
Ivan B., 31, economist
Without a family yet, Ivan’s monthly expenses vary but average around 60 thousand rubles. About 20 thousand go to the car, used daily, with fuel and maintenance being the main costs. Car washes and transportation tax are noticeable monthly charges as well. The pension service estimates an insurance pension of about 16,088 rubles per month. Adding another 25,000 rubles would help preserve current lifestyle. If Ivan opens an IPP at age 31 with an initial 2,000 rubles and 3,000 rubles saved monthly, by age 60 his plan could yield a monthly increase of around 27,100 rubles five years before the state pension. This would support life and a preferred car.
Andrey S., age 45, deputy head of the logistics department
Andrey is a family man who now separates his salary from the family budget, though he monitors car maintenance closely. His monthly car costs are roughly 15,000 rubles, with daily driving, fuel efficiency, fewer car washes, and cheaper insurance. The car is domestically produced. The pension service predicted a robust pension for him based on a long work history, around 23,000 rubles per month. He notes that his career has been steady and well compensated, which supports his retirement outlook.
He also considers boosting his future cash flow by saving through a deposit of 50,000 rubles and deducting 10,000 rubles monthly. The projection indicates retirement savings could reach about 3.24 million rubles by age 60, with premiums totaling 1.84 million and investment income around 1.40 million. This could translate to a monthly pension near 26,950 rubles. With his wife also contributing to retirement savings since her youth, both are confident in a comfortable post-work life, including long road trips across the country with a practical approach to expenses.
The passage concludes with a practical takeaway: planning now helps shape a stable monthly budget in retirement and fosters greater predictability in finances. The broader message remains clear: early planning and saving yield higher income when work ends.