Retirement is no longer far away
Records from earlier jobs and different countries suddenly become part of decisions you may make within the next decade.
Pension clarity across borders
Know what you have. Know what comes next.
Clerio is being built to bring pension rights and records from different countries into one clearer picture, so you can understand what is known, what still needs checking and what to do next.
Request beta access
Clerio is opening its beta to a small group of people with pension records from more than one country.
A clearer view of a pension built across borders.
- 01
One pension picture
See pension rights from a career across borders in one understandable view.
- 02
Records kept in context
Keep statements, career periods and the assumptions behind the picture connected.
- 03
Confidence you can inspect
Know which parts are estimated, which are supported and what could still change.
- 04
Clear next actions
See which missing period, statement or decision deserves attention next.
When clarity matters
Life changes. Your pension picture should keep up.
Your next chapter starts in another country
Before the boxes close, keep each employment period and pension record connected to the country and system it belongs to.
A new job closes an old chapter
Save the workplace pension details and contacts that are easy to lose once you leave an employer.
The future is no longer yours alone
A new family chapter changes what long-term security means and who may need to understand your plans.
You return home. Your records remain scattered.
Bring documents gathered across countries into one picture before former employers and contacts become harder to trace.
Retirement decisions are getting close
See what is documented, where uncertainty remains and which missing records deserve attention first.
Retirement is no longer far away
Turn scattered pension records into one clear picture.
Clerio brings records from different countries together, shows what is missing and tells you what to check next.
Guides
Practical help for the records behind your pension.
Understand your pension
Can you retire at 57, 60 or 65 in Luxembourg?
Compare the three retirement-age routes, understand the 2026 change at age 60 and see what to check with CNAP before choosing a date.
Read guideUnderstand your pension
Worked in Luxembourg and other countries? How your state pension works
Your pension years are coordinated across borders, but they do not become one pension. See which country pays what, when each part can start and where to apply.
Read guideGet your pension documents
How to download your Luxembourg CCSS income certificate
Download the CCSS income certificate, understand its gross-income figures and know when you need the annual pension career extract instead.
Read guideGet your pension documents
How to find your Luxembourg Pillar 2 pension and get your statement
Start with MyGuichet, identify the manager of your supplementary pension scheme, then request the detailed statement from the right place.
Read guideUnderstand your pension
How to get your Luxembourg state pension record and pension estimate
Find the annual CCSS career extract, distinguish it from MyGuichet certificates and request a CNAP estimate when the general scheme applies.
Read guideUnderstand your pension
Can you transfer your Luxembourg workplace pension when changing jobs?
Check whether your rights are acquired, compare the official options after leaving an employer and prepare the documents for a transfer request.
Read guideUnderstand your pension
What happens to a Luxembourg state pension when someone dies?
Who may claim a survivor's pension, how to apply and what happens when several countries are involved.
Read guideUsing Clerio
Which pension documents should I collect?
Build a practical record set across state, workplace and personal pensions without assuming that every person needs the same documents.
Read guideSee if the Clerio beta fits your pension journey.
Tell us where you have worked and what you want to bring together. We will review your request personally.