If you are a citizen of the Republic of Türkiye or a Blue Card holder, you can join the Private Pension System and receive a 200 TL state contribution for every 1,000 TL you invest, thanks to the 20% state contribution.
The Private Pension System (PPS) is based on voluntary participation. By choosing a plan that suits your needs, you can start paying contributions and easily join the system.
The contributions you pay are invested in funds throughout your participation period, and your savings grow over time. You can calculate your estimated accumulated savings, retirement income, and the contribution amount required to reach your target savings through the Pension Monitoring Center (EGM) website for both the Private Pension and Automatic Enrollment systems.
To retire from PPS, you must:
When these conditions are met, you can benefit from the system’s maximum advantages.
If you wish, you may exit the system before completing this period or remain in it longer (deductions may apply depending on the exit status).
You have full flexibility while managing your savings in PPS:
Once you qualify for retirement, you decide how to receive your savings:
You also have the right to merge your contracts held with different companies.
PPS is advantageous not only while saving, but also when withdrawing your savings.
Upon exiting the system, tax is calculated only on the investment return, not on the total accumulated amount.
According to the decision published in the Official Gazette No. 32951 in 2025:
https://www.resmigazete.gov.tr/eskiler/2025/07/20250709-6.pdf
In 2025, withholding tax rates on TL time deposits were increased:
Despite these increases, withholding tax rates applied in PPS are more advantageous.
In PPS, tax is applied only to returns and at lower rates, making it a more advantageous long-term savings and investment system.
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