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Italian Pension Revaluation Simulator

· Last updated：2026-11-11

This tool is for informational purposes only and does not constitute medical, financial, or legal advice; consult a qualified professional for advice.

Simulate the yearly revaluation (perequazione) of an Italian pension: per-band breakdown, scaglioni vs blocchi, and 2026 vs the 2027 draft.

Details

What this tool helps you do

Simulates the annual revaluation (perequazione) of an existing Italian pension: enter the total monthly gross pension and see how much it rises. Three modes: current-year revaluation with a per-band breakdown, scaglioni vs blocchi (the two calculation models Italy has alternated between), and 2026 vs the 2027 draft. The 2026 index is +1.4% (provisional, salvo conguaglio); bands are 100% up to 4x the minimum pension, 90% between 4x and 5x, 75% above 5x, with thresholds computed on the previous year's minimum (EUR 603.40 for 2026: EUR 2,413.60 / EUR 3,017.00). Pensions at or below the 2026 minimum (EUR 611.85) also receive an extraordinary +1.3% (L. 197/2022 art. 1 c. 310). The 2027 draft (Budget Bill art. 55, under parliamentary review) returns to blocchi — 100/85/53/47/37/32 — with an estimated index — the Budget Bill's technical report estimates +2.8%, other estimates +2.9% — that is NOT final. Enter the total monthly gross pension (cumulo perequativo: INPS counts all of a person's pensions as one amount). Annual amounts use 13 monthly payments, as in the INPS tables. This is a simulation, not INPS advice; amounts are gross, before tax.

Sources:

  1. INPS, Circolare n. 153 del 19 dicembre 2025 (testo integrale) — https://www.eurekaprevidenza.it/index.php/4901-circolare-153-del-19-dicembre-2025
  2. INPS, Circolare n. 153/2025 (PDF) — http://www.informazionefiscale.it/t/IMG/pdf/16484_circolare-numero-153-del-19-12-2025.pdf
  3. MEF, Decreto 19 novembre 2025, “Perequazione delle pensioni con decorrenza dal 1° gennaio 2026” (GU n. 277 del 28-11-2025), testo integrale (PDF) — https://www.ticonsiglio.com/wp-content/uploads/2025/12/decreto-19-novembre-2025.pdf
  4. Corte costituzionale, Sentenza n. 52/2026 (ECLI:IT:COST:2026:52), testo integrale (sito ufficiale) — https://www.cortecostituzionale.it/scheda-pronuncia/2026/52
  5. Disegno di legge di Bilancio 2027, art. 55 (in esame parlamentare; emendamenti entro il 17 novembre 2026) — https://www.lamiafinanza.it/2026/11/rivalutazione-pensioni-2027-emendamenti-entro-il-17-novembre-cosa-puo-cambiare-sopra-i-2-447-euro/
  6. DDL Bilancio 2027, analisi delle fasce (blocchi 100/85/53/47/37/32) — https://economia.gnius.it/manovra-2027-pensioni-tagli-alla-rivalutazione-e-card-da-300-euro
  7. INPS hearing on the 2027 Budget Bill (10 November 2026): phased 2027 payout — revaluation from January only up to 4x the minimum pension; above that, conguaglio with arrears by Q1 2027 (fiscoetasse.com, reporting the hearing) — https://www.fiscoetasse.com/new-rassegna-stampa/4733-rivalutazione-pensioni-2027-nuovo-taglio-agli-aumenti-in-legge-di-bilancio.html
  8. Scaglioni vs blocchi, spiegazione (fonte secondaria) — https://www.epheso.com/blog/pensioni-e-inflazione-come-funziona-la-tutela-automatica-che-protegge-l-assegno/

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Written by the Elysia Tools team

Tool usage guide

Learn when to use this tool, what it supports, and how real users apply it.

Key facts

Category
Finance
Input types
number, select
Output type
html
Sample coverage
4
API ready
Yes

Overview

Simulate the annual revaluation (rivalutazione pensioni) of an Italian pension. Enter your total monthly gross pension and see the increase under INPS Circular 153/2025: the 2026 index is +1.4% (provisional), applied in scaglioni bands — 100% up to 4x the minimum pension (€2,413.60), 90% to 5x (€3,017.00), 75% above. Compare scaglioni vs blocchi, the two models behind Corte Costituzionale sentenza 52/2026, or 2026 vs the 2027 draft (blocchi 100/85/53/47/37/32, estimated +2.9%).

When to use

  • You receive an Italian pension and want to know the January 2026 increase
  • You want to see how much of your pension falls in each revaluation band
  • You want to compare scaglioni vs blocchi for the same pension
  • You want to see what the 2027 draft would do to your pension vs 2026

How it works

  1. 1Enter your total monthly gross pension (cumulo perequativo: INPS counts all your pensions as one amount)
  2. 2Pick a mode: current-year revaluation, scaglioni vs blocchi, or 2026 vs 2027
  3. 3The tool applies the year's FOI index band by band (scaglioni) or to the whole amount (blocchi) and shows every band, the rate applied, and the increase
  4. 4Annual amounts use 13 monthly payments, as in the INPS tables

Use cases

  • A €3,500 pension rises €46.46/month in 2026 under scaglioni
  • A €7,268 pension rises €86.03/month under scaglioni but only €32.56 under blocchi — the gap at the heart of sentenza 52/2026
  • The same €7,268 pension would rise €67.45 under the 2027 draft, €18.58 less than in 2026 despite the higher +2.9% index
  • A minimum pension of €611.85 rises €16.52/month in 2026: €8.57 revaluation plus the €7.95 extraordinary +1.3% bonus

Examples

1. €3,500 pension in 2026

Pensioner checking the January increase

Background

A monthly gross pension of €3,500, revalued for 2026.

Problem

How much does the pension rise, and which bands apply?

How to use

Enter €3,500, choose current-year revaluation and 2026.

Outcome

Increase €46.46/month (€604.04/year); new pension €3,546.46. Bands: €2,413.60 at 1.4%, €603.40 at 1.26%, €483 at 1.05%.

2. €7,268 pension: scaglioni vs blocchi

Reader of sentenza 52/2026

Background

The pension amount in the Constitutional Court case.

Problem

How much less does blocchi pay than scaglioni on the same pension?

How to use

Enter €7,268, choose scaglioni vs blocchi and 2026.

Outcome

Scaglioni: €86.03/month. Blocchi: €32.56/month. Difference: €53.47/month (€695.09/year).

FAQ

What is the difference between scaglioni and blocchi?

Scaglioni (progressive bands) applies each band's share only to the part of the pension inside that band: 100% up to 4x the minimum pension, 90% from 4x to 5x, 75% above 5x. Blocchi (whole-amount bands) applies a single share to the entire pension, chosen by the band the total falls into. Italy used blocchi in 2023–2024, returned to scaglioni in 2025, and the 2027 draft returns to blocchi. The Constitutional Court (sentenza 52/2026) ruled the 2023–24 blocchi lawful.

What is the 2026 revaluation rate?

The MEF decree of 19 November 2025 (Gazzetta Ufficiale n. 277/2025) sets the 2025 FOI variation at +1.4% from 1 January 2026, provisional (salvo conguaglio) — INPS will settle any difference once the final index is published. The 2024 variation was +0.8% (definitive).

Is the 2027 rate of +2.9% final?

No. The Budget Bill's technical report estimates +2.8%; other estimates put it at +2.9% (the value used in this simulator). The official rate comes with the MEF decree in late November 2026. The 2027 brackets (100/85/53/47/37/32) are also a draft: the Budget Bill (art. 55) is in Parliament, amendments are due 17 November 2026 and final approval is expected by 31 December 2026.

Which pension amount should I enter?

Your total monthly gross pension (cumulo perequativo): INPS revalues all of a person's pensions as one amount (L. 448/1998 art. 34), using the December amount of the previous year. If you receive more than one pension, add them together.

What is the trattamento minimo and the +1.3% bonus?

The trattamento minimo is the minimum pension: €611.85/month in 2026 (€603.40 in 2025). Pensions at or below the minimum also receive an extraordinary +1.3% in 2026 (L. 197/2022 art. 1 c. 310) — at most €7.95/month. The 2027 draft does not extend this bonus.

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Why won't a higher pension rise in January 2027?

Because INPS will phase the 2027 payout: pensions up to €2,447.40/month (4× the 2026 minimum pension) are revalued from January, but higher pensions are paid at 2026 amounts in January and February, with the difference settled by the end of March 2027 as a conguaglio, including arrears. The increase itself is not lost — only delayed. (INPS hearing before the parliamentary Budget Committees, 10 November 2026.) The threshold counts a person's total pensions (cumulo perequativo), not a single payment.