How to check your pension in Bulgaria online (ЕГН and ПИК)
How to check your pension with your ЕГН and ПИК on the НОИ portal: granted pension, forecast pension and what to do if you have no ПИК.
Do you want to see the amount of your pension, your supplements or whether your length of service has been recorded correctly, without going to a National Social Security Institute (НОИ) office? You can do it online in two minutes, with just your personal identification number (ЕГН) and your personal identification code (ПИК).
❓How do I check my pension with my ЕГН and ПИК?
Two different statements: granted pension or forecast pension
Before you start, work out which statement you need. This is the difference almost nobody explains clearly, and it also decides where you log in.
If you are already a pensioner, you are looking for the statement of your granted pension: the current amount, supplements and any deductions. If you are still working and want to estimate your future pension, you are looking for the forecast pension, which is indicative and is done with a different tool.
| Granted pension | Forecast pension | |
|---|---|---|
| Who it is for | People who already receive a pension | Working people who are planning to retire |
| What it shows | Current amount, supplements, deductions, orders | Indicative future amount and individual coefficient |
| Where to do it | eportal.nssi.bg (Electronic insurance file) | reps.nssi.bg/PensionsCalc |
| What you need | ЕГН and НОИ ПИК, НАП ПИК or КЕП | Data on insurance service and income |
Choose the statement according to whether you are already a pensioner or still working.
What you need for the check
For the granted-pension statement in the НОИ portal you need only three things.
Needed for the online statement
Login details for the Unified Portal for Electronic Services
ЕГН (or a personal number of a foreigner, ЛНЧ, for foreigners with a residence permit)
НОИ ПИК, НАП ПИК or КЕП
One of the three ways to log in is enough
A device with internet access and a verified official address
The address must contain nssi.bg
Steps to check a granted pension
Here is the exact route through the portal. Keep to this sequence, because the menu has several levels.
Checking a granted pension at eportal.nssi.bg
The НОИ Unified Portal for Electronic Services. Choose Login (Вход).
Choose how to log in
НОИ ПИК, НАП ПИК or КЕП, then enter your ЕГН and ПИК.
Electronic insurance file
Open Electronic insurance file (Електронно осигурително досие), then Electronic insurance file for pension (Електронно осигурително досие за пенсия).
Granted pensions
Choose Granted pensions (Отпуснати пенсии) and open Current statement for a pensioner (Актуална справка за пенсионер).
Orders (if needed)
For the decisions on your pension, see Issued orders (Постановени разпореждания).
Since 1 January 2026 the main reference information from the НОИ is obtained through the Unified Portal for Electronic Services, which is the single access point to the services. So it is worth remembering the exact address, eportal.nssi.bg.
Ask Pravko and get an answer with citations from the law.
Ways to log in: НОИ ПИК, НАП ПИК or КЕП
You can log in to the НОИ portal in three ways. Choose according to what you already have to hand.
| Method | Where you get it | Cost | Convenience |
|---|---|---|---|
| НОИ ПИК | A НОИ office, in person with an identity card (or online through Evrotrust) | Free | The easiest for pension statements |
| НАП ПИК | A National Revenue Agency (НАП) office, for tax services | Free | Also works in the НОИ portal |
| КЕП | A qualified service provider, a device and installation | Paid | For more frequent or legal needs |
A НОИ ПИК is a 10-digit code and is issued free of charge against an identity card.
A НОИ ПИК is not a НАП ПИК
How to read the result
This is where the most common confusion arises. A pension is not like a salary. As a rule, neither income tax nor health contributions are deducted from it, so the granted amount usually matches what you receive.
The state pension is not subject to income tax, because income from compulsory insurance is not taxable. Health insurance for pensioners from state social insurance is paid from the state budget and is not deducted from the pension.
Personal Income Tax Act (ЗДДФЛ)
Art. 13(1), item 6
Official Bulgarian text
„Не са облагаеми доходите от задължително осигуряване в България или в чужбина.“
Health Insurance Act (ЗЗО)
Art. 40(1), item 4
Official Bulgarian text
„Здравноосигурителните вноски за пенсионерите от държавното обществено осигуряване се определят върху размера на пенсията и са за сметка на държавния бюджет.“
So think of the pension as a sum built up from the base: the basic pension for insurance service and age plus the supplements you are entitled to. Here is an illustrative example of how this looks in the statement.
How the pension paid is made up (example)
Pension for insurance service and age
The base under the Social Security Code (КСО) according to service and individual coefficient
base amount
Supplement (for example for outside assistance)(optional)
Only if you are entitled to it
+ supplement
The example is illustrative. The actual amounts depend on your service, income and the date the pension was granted. The amount can be seen in the pensioner’s statement.
There are real deductions from a pension only in specific cases: a garnishment under an enforcement case, which is made within the law and subject to a protected minimum that cannot be seized, or an offset by the НОИ of amounts overpaid or received in bad faith. If you see a deduction, the statement gives its basis.
The amount of the pension and the individual coefficient are governed by the Social Security Code. Bear in mind that the individual coefficient is calculated under different rules depending on the date the pension was granted, so two similar lengths of service can give a different result.
Social Security Code (КСО)
Art. 68 and Art. 70
Official Bulgarian text
„Право на пенсия за осигурителен стаж и възраст се придобива при навършване на възраст и осигурителен стаж, а размерът се определя чрез индивидуалния коефициент на лицето.“
Security: enter your details only on the official portal
Your ЕГН and ПИК are sensitive data. Enter them only on the official НОИ pages.
Check the address before you enter your ЕГН and ПИК
Common problems and what to do
If something does not work the first time, there is almost always a simple way out.
Forgotten or blocked ПИК
Missing service or income
The latest months do not show immediately
Pensioners who live abroad have an additional obligation: an annual proof of life declaration (декларация за живот), which must be submitted by 31 December for the pension to keep being paid.
Frequently asked questions
Can I check my pension without a ПИК?
Not for the electronic insurance file. You need a НОИ ПИК, a НАП ПИК or a КЕП. If you have none of them, the quickest thing is to get a free НОИ ПИК from a НОИ office against an identity card. You can also see our more general НОИ statement by ЕГН and ПИК.
How do I calculate a future pension?
Use the official forecast pension tool at reps.nssi.bg/PensionsCalc. For guidance, see also the amount of a pension with insurance service and when you will retire by ЕГН.
What is the difference between a НОИ ПИК and a НАП ПИК?
A НОИ ПИК is issued by the НОИ for insurance and pension statements, while a НАП ПИК is issued by the НАП for tax services. Both work for logging in to the НОИ portal.
I see a different amount from the one I expected. What should I do?
Save the statement from before and after the change and lodge an objection through the official procedure. If the pension is linked to disability, see also the ТЕЛК disability pension. For a statement on sick pay, see checking sick pay payments.
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⚠️ Important
Pravko provides legal information, but it does not replace advice from a lawyer. For important legal matters, consult a licensed lawyer.
