If you thought the numbers in the title were random — they are not. They were just published in the Official Gazette (Narodne novine, NN 95/2026), and they contain the exact amounts you need if you are planning your pension, already retired, or receiving disability compensation for a workplace injury.
Let us decode what these three decisions by the Croatian Pension Insurance Institute (HZMO) actually mean for your wallet.
📈 Current Pension Value (AVM): 15.64 €
The Current Pension Value (AVM – aktualna vrijednost mirovine) as of July 1, 2026 is 15.64 euros per personal point.
Context: As of January 1, 2026, the AVM was 14.84 €. An increase of 5.40%.
What does this mean for you? The AVM is the basis for calculating your pension. Your pension = AVM × your personal points × pension factor.
Example: With 35 years of service and a personal point of 1.0 (average salary), your pension is calculated as: 15.64 € × 35 × 1.0 × (factor).
📉 Minimum Pension Per Year of Service: 16.58 €
The minimum pension for one year of pensionable service as of July 1, 2026 amounts to 16.58 euros.
This is crucial for those with shorter service periods. The minimum pension is multiplied by the total number of years of service, applying the starting factor and pension factor.
Example: With 15 years of service, the minimum pension you can receive is: 16.58 € × 15 = 248.70 € (before factors). This is the legal minimum — you cannot receive less than this if you meet the conditions.
🩹 Disability Compensation: Base 358.48 €, Adjustment 5.40%
This concerns people who have suffered a workplace injury or occupational disease and have acquired the right to cash compensation for physical impairment.
- Base for determining compensation for physical impairment as of July 1, 2026 amounts to 358.48 euros
- Adjustment of 5.40% applies to beneficiaries who acquired the right from January 1, 1999 to June 30, 2026.
This means that all current beneficiaries of physical impairment compensation will receive a 5.40% increase from July onwards.
📅 When Will the Increased Pensions Arrive?
According to government information, the increased pensions will be paid in September 2026 — meaning the first increased payments should arrive any day now.
🧮 Adjustment History
| Period | AVM | Change |
|---|---|---|
| January 1, 2026 | 14.84 € | +2.68% |
| July 1, 2026 | 15.64 € | +5.40% |
Total increase in 2026: +8.25% (above inflation and average wage growth).
⚠️ What You Need to Do
- If you are a pensioner — check your September payout. The increase should appear on the first September payment.
- If you are planning your pension — use the new AVM of 15.64 € to calculate your future pension.
- If you receive disability compensation — expect a 5.40% increase.
- If you have questions — contact HZMO or ask in the comments.
Sources:
- NN 95/2026, Decision on Current Pension Value from July 1, 2026 (1167)
- NN 95/2026, Decision on Minimum Pension for One Year of Pensionable Service (1168)
- NN 95/2026, Decision on Base for Determining Physical Impairment Compensation (1169)
Published: September 7, 2026 — Lara, Prafin.eu