Retirees turning 65 in 2026 should apply by late February to maximize pension benefits through double adjustments.
Most Favorable Retirement Dates in 2026
Poland’s pension system relies on annual adjustments and capital updates on ZUS accounts. Retiring by the end of February ensures inclusion before March’s pension valuation, avoiding missed raises that cannot be recovered later. This can result in several hundred zlotys more in initial months.
July 2026 – How Annual Capital Adjustment Increases Pensions
July is another optimal retirement month. In June, ZUS conducts annual capital valuation on accounts and subaccounts, a major one-time boost that automatically increases future pensions for those retiring in July.
Least Profitable Months to Retire in 2026
March, April, and May are particularly unfavorable. Retiring during these months means missing June’s annual capital adjustment, leading to permanently lower pension benefits worth several hundred zlotys less monthly.
FAQ – Best Time to Retire in 2026
From March, pensions rise with the valuation index, and April includes an extra 13th pension. June’s capital hike increases retirement capital if you retire from July. Avoid March-May to miss the June adjustment permanently.
