Pension contributions are paid in case you are a permanent resident or citizen of Kosovo, an employee or self-employed.

If you are an employee, your employer must withhold and pay pension contributions on your behalf, each month.

For each monthly gross wage, your employer:

Withhold at least 5% for pension contributions
Apply wages tax, after the pension deduction
From its own budget match with at least 5% for your pension contribution
Submit the employee list and pay pension contributions in total of minimum 10% of your monthly wages, as per the rules of Kosovo Tax Administration (TAK).

If you are self-employed, each calendar quarter, you or your accountant must calculate your personal income, apply the personal income tax and pension contributions, as per the TAK rules.

If paid and reported properly, contributions will get allocated in to your pension savings account. To find out whether you are being paid your contributions you must look at your account statement online, by requesting a statement in one of our offices in person or through authorized third party, or wait for the annual account statement delivered at your address (provided that KPST does have one).