howto.pt
ENPTESRU
TOOLS/WORK

Complemento Solidário para Idosos (CSI) Simulator 2026

Portugal Old-Age Solidarity Supplement Calculator

The Complemento Solidário para Idosos (CSI) pays the gap between your annual resources and a reference value that in 2026 is €8,040 a year (€670 a month) for someone living alone and €14,070 for a couple. It is for people aged 66 years and 9 months or over who receive a pension and have lived in Portugal for at least 6 years. The simulator tells you whether you qualify and how much you would get each month.

By Elijah·UPDATED OCTOBER 2026·5 MIN·OFFICIAL SOURCES
KEY FACTS
2026 reference value
€8,040 a year (€670 a month)
Couple (1.75 scale)
€14,070 a year
Minimum age in 2026
66 years and 9 months
Residence required
6 consecutive years in Portugal
Children’s income
Not counted since June 2024
2027 (announced)
€720 a month (€8,640 a year)
ANO
SITUAÇÃO
Casal: casados, ou em união de facto há mais de 2 anos.
CONDIÇÕES DE ACESSO
OS SEUS RENDIMENTOS
€
€
Outros rendimentos: trabalho, rendas, pensões estrangeiras pagas à parte e dinheiro recebido com regularidade de outras pessoas, incluindo filhos. Valor bruto do ano.
PENSÕES PAGAS
As pensões da Segurança Social portuguesa são pagas 14 vezes por ano. Se a sua for paga 12 vezes, escolha 12.
€
Depósitos, ações, certificados de aforro e outros ativos financeiros a 31 de dezembro. Contam 5% por ano como rendimento.
€
Não inclua a casa onde vive. Contam 5% do valor patrimonial (VPT) como rendimento.
CSI MENSAL ESTIMADO
-

-

Valor de referência-
Recursos considerados (ano)-
Dos quais: 5% do património-
CSI anual (12 pagamentos)-
-

How this works

The CSI is the gap between an annual ceiling and everything the person or couple receives in a year. The simulator adds gross pensions (14 or 12 payments), other gross income and 5% of savings and of property other than your home, compares the total with the reference value and applies the couple rules of Regulatory Decree 3/2006. In a real claim, Segurança Social uses the previous calendar year’s income and checks every figure.

  1. 1
    Check age, pension and residence
    In 2026 the CSI is for people aged 66 years and 9 months or over who receive an old-age or survivor’s pension, from any country. Invalidity pensioners can apply at any age if they do not receive the Prestação Social para a Inclusão (PSI). The applicant must have lived in Portugal for at least 6 consecutive years, with 270 days or more in each year.
  2. 2
    Add up one year of gross income
    Pensions count at their gross annual value: Segurança Social pensions are paid 14 times. Add work income, rents, social benefits and money other people transfer to you regularly, children included. Funeral grant, death grant, one-off social-action support and the CSI itself are left out.
  3. 3
    Add 5% of savings and other property
    Deposits, shares, savings certificates and other financial assets held on 31 December count as income at 5% of their total value. Property other than the home you live in counts at 5% of its tax value (VPT). Rent received also counts, except when it is lower than that 5%. Your permanent home does not count.
  4. 4
    Subtract from the reference value
    Living alone: annual CSI = €8,040 minus resources. Couple where only one applies: the lower of €8,040 minus the applicant’s income or €14,070 minus the couple’s income. Couple where both apply: €14,070 minus the couple’s income, split by the weight W1 = (8,040 − Y1) ÷ (16,080 − Y1 − Y2), which gives more to whoever has less.
  5. 5
    Divide by 12: it is paid monthly
    The CSI is paid 12 times a year, together with the pension, from the month after the complete claim. If the monthly amount is under €5, Segurança Social accumulates it and pays once it reaches €5. Changes in the household, or in income other than Segurança Social pensions, require a new claim.

Worked examples for 2026

Living alone, €450 pension and €10,000 in the bank. Pension: €450 × 14 = €6,300. Savings: 5% of €10,000 = €500. Resources: €6,800. CSI: €8,040 − €6,800 = €1,240 a year, or €103.33 a month. These are the simulator’s default values.

Couple, pensions of €500 and €300, both applying. Pensions: €7,000 + €4,200 = €11,200 a year. The couple’s CSI: €14,070 − €11,200 = €2,870 a year, or €239.17 a month. The weight for the €500 pension is (8,040 − 7,000) ÷ (16,080 − 11,200) = 21.3%, so that spouse gets €50.97 a month and the other €188.20. If only the spouse with €500 applied, the CSI would be the lower of €1,040 and €2,870: just €86.67 a month. When both meet the conditions, both should apply.

Living alone, €600 pension. €600 × 14 = €8,400 a year, above €8,040: no CSI, even though €600 is below €670 a month.

Not at pension age yet? Find your date with the retirement age calculator. Under that age and on a low income, the support to check is RSI, the social insertion income.

Frequently asked

How much is the Complemento Solidário para Idosos in 2026?
The CSI reference value in 2026 is €8,040 a year for someone living alone and €14,070 for a couple (Portaria 480-D/2025/1). The CSI pays the gap between that value and annual resources, divided by 12. A person living alone with no resources at all would get the maximum of €670 a month.
Up to what pension can I still get the CSI?
With a pension paid 14 times and no other income, the gross pension must be under €574.29 a month (€8,040 ÷ 14). For a couple, the two pensions together must stay under €1,005 a month (€14,070 ÷ 14) and the applicant’s own pension under €574.29. A €600 pension adds up to €8,400 a year and gets no CSI, even though it is below €670.
Who can apply for the CSI?
You can apply if you are 66 years and 9 months or older in 2026 and receive an old-age or survivor’s pension from any system, Portuguese or foreign, or if you receive an invalidity pension without the PSI. If you have no pension, you first claim the social old-age pension (pensão social de velhice). In every case you must have lived legally in Portugal for 6 consecutive years; Portuguese citizens whose last job was abroad have their own rules.
Do my children’s income and my savings count for the CSI?
Children’s income stopped counting on 1 June 2024 (Decree-Law 35/2024), but money your children give you regularly counts as a transfer. Savings have no ceiling: they enter as income at 5% a year, so €20,000 in the bank adds €1,000 to your resources. The home you live in does not count.
What health benefits and other support come with the CSI?
CSI recipients get prescription medicines free at the pharmacy, from the first CSI payment. From 17 October 2026, for medicines with a generic, the free cover goes up to the group’s reference price: a pricier brand pays the difference. There is also a 75% refund on glasses and lenses, up to €100 every 2 years, and 75% on removable dentures, up to €250 every 3 years, claimed at your health centre. The CSI also brings the social tariff on electricity and gas, applied automatically.
How do I apply for the CSI and what documents do I need?
You apply on the Segurança Social portal (Ação Social, Apoios e respostas sociais, Complemento Solidário para Idosos) or at a service desk, with form CSI 1 plus annex CSI 1/2 if you have income beyond what Segurança Social pays. Bring ID, proof of your IBAN, proof of 6 years’ residence (parish council certificate or residence permit), the land-registry record (caderneta predial) of any other property and statements for your savings. In a couple, each person fills in their own CSI 1.
How much will the CSI be in 2027?
On 1 October 2026 the Government announced that the reference value rises to €720 a month in 2027, or €8,640 a year, as part of the 2027 State Budget. It only takes effect once the updating portaria is published. With the 1.75 scale, the couple limit would be €15,120 (our calculation). The minimum age rises to 66 years and 11 months.
OFFICIAL SOURCES
DISCLAIMER
Informational estimate based on the CSI Practical Guide published by Instituto da Segurança Social on 21 May 2026, Portaria 480-D/2025/1, and Decree-Law 232/2005 and Regulatory Decree 3/2006 as amended by Decree-Law 35/2024. The 2027 value is a Government announcement of 1 October 2026 and only applies once the portaria is published. The tool annualises current pensions and splits a couple’s assets equally; Segurança Social uses the previous calendar year’s income, which it may update by the price index, and the actual ownership of each asset. It does not check residence, exact age, the social old-age pension, the dependency supplement, asset sales, care homes or other special cases. Not legal advice and not a Segurança Social decision.