Pensionaut · Blog
Clear, sourced guides to cross-border pensions — how your years across countries actually add up. Each piece takes one part of the machinery: EU coordination under Regulation 883/2004, US totalization agreements, and the gaps between them.
There's no single 'European pension'. If you've worked across EU countries you get one from each — and the rule that makes that work, EU aggregation, is what stops your short stints from vanishing.
If you've built a career across several countries, they don't all 'add up' the same way. Here's which pension systems talk to each other, which don't, and why the difference decides what you can claim.
Worked or lived in more than one country? Here's how your state pension is actually calculated — EU coordination, totalization agreements, and the traps worth knowing — with a free tool to estimate your own.
Worked in the US and Denmark? You can draw a pension from each — but they qualify in completely different ways. Here's how the US–Denmark totalization agreement and Danish folkepension actually work together.
Estimates only — not financial, tax, or legal advice. Verify with official institutions. Subscribe by RSS.