Retirement is a major concern for residents and cross-border workers in Luxembourg. In response to population ageing, increasing life expectancy and growing pressure on public finances, the Luxembourg pension system has entered a significant phase of transformation. A structural reform came into force on 1 January 2026, introducing notable changes to the retirement age, contribution rates and, above all, tax incentives for retirement savings.

In Luxembourg, planning your financial future is essential, whether you are an employee, a self-employed professional or a young worker. With the evolution of the pension system, longer life expectancy and the desire to maintain one’s standard of living in retirement, long-term saving has become indispensable. In this context, many residents are looking to achieve two goals: building solid savings for the future and reducing their taxable base thanks to Luxembourg’s favourabl

In Luxembourg, retirement is based on a model structured around three complementary pillars. This system aims to provide residents with a...