How much of your pension savings you can use
Calculate the upper limit of a lump-sum pension payment for housing or medical treatment using your age threshold, the 50% rule or confirmed eligibility for the full mandatory-contribution balance.
What this service calculates
For a mandatory-contribution saver, the calculator finds the official 2026 minimum sufficiency threshold for the completed age and shows the positive difference between savings managed by the National Bank of Kazakhstan and that threshold. The table covers ages 20 through 62.
It can also estimate the cap for a pension recipient with an officially confirmed replacement ratio of at least 40% — no more than 50% of mandatory-contribution savings — and for a pension-annuity holder or long-service pension recipient — up to the full mandatory-contribution balance. The service does not verify documents, the intended use or the actual composition of the pension account.
UAPF thresholds for 2026
The official table under the revised methodology is used. Values apply through December 31, 2026.
Official sources
The table and conditions were checked on August 20, 2026.
- UAPF — lump-sum pension-payment conditions and 2026 thresholds
- Government Resolution No. 422 of 21 May 2026 — revised methodology
- Kazakhstan Social Code, Article 220 — grounds for using savings
Questions and answers
What is the UAPF minimum sufficiency threshold?
It is the minimum amount of savings from mandatory pension contributions that must remain after a lump-sum pension payment. Under the standard basis, only the positive difference between savings managed by the National Bank of Kazakhstan and the threshold for the completed age may be used.
Which savings amount should I enter?
Enter the current balance formed from mandatory pension contributions under National Bank trust management. Do not add occupational, voluntary or employer mandatory contributions, or assets transferred to an investment portfolio manager; use the separate figures in your UAPF statement.
Who may use 50% or the full balance?
A pension recipient may use no more than 50% of mandatory-contribution savings when the pension provides an officially determined income-replacement ratio of at least 40%. Pension-annuity holders and long-service pension recipients may use up to the full mandatory-contribution balance. UAPF confirms whether the condition is met.
Why can the UAPF amount differ from this calculation?
Investment returns and new contributions change the balance, some assets may be with an investment portfolio manager, and eligibility and account composition are checked on the application date. The amount shown by UAPF and the authorised operator is therefore final.