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Data: Albania, in the penultimate place in Europe for pensions

2026-03-24 19:57:13Biznes SHKRUAR NGA REDAKSIA VOX

Data: Albania, in the penultimate place in Europe for pensions

State pensions as a share of the cost of living vary widely across Europe. In Northern and Western Europe, pensions often meet or exceed basic expenses, while in Eastern Europe and the Balkans they often fail to cover them.

Are state pensions enough to cover the cost of living in Europe?

In 20 out of 39 European countries, they don't, according to a study by payroll and human resources firm Moorepay. Living costs don't include rent. If rent were included, that number would likely increase significantly.

So how much of the cost of living is covered by state pensions, excluding rent, as of the end of 2025?

Across 39 European countries, including EU members, candidate countries, EFTA countries and the United Kingdom, pensions as a share of living costs range from 22% in Georgia to 225% in Luxembourg.

This reflects the cost of living for a single person and a pension at the end of October 2025.

While Moorepay collected data on average pensions, the cost of living data comes from Numbeo and represents the national average. The situation may vary depending on the city.

For example, in Luxembourg, the average state pension is 28,790 euros, while the cost of living is 12,791 euros. This leaves a surplus of 15,989 euros. This means that the state pension is more than double the cost of living.

Pensions are also more than double the cost of living in Italy (210%) and Finland (208%). Spain (199%) and Denmark (189%) are also close to this level.

Pensions as a share of living costs range between 150% and 180% in some other countries, which is still relatively high.

These countries are Iceland (179%), Norway (178%), Germany (176%), Belgium (170%), Austria (165%), France (160%), the Netherlands (159%) and Sweden (158%).

Six countries fall between 100% and 150%. State pensions are still enough to cover the cost of living for a single person, excluding rent, but the surplus is limited.

These are Switzerland (131%), Ireland (126%), the United Kingdom (120%), Poland (112%), the Czech Republic (108%) and Greece (103%).  (Euronews.com )

Data: Albania, in the penultimate place in Europe for pensions

 


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