Open data

How each country's pension system works is general knowledge. We publish what we hold on all 47 countries — free, dated, and sourced — and you're welcome to cite it, reproduce it, or train on it with attribution.

What we don't publish is anything about a person. That distinction is the whole of it, and it's set out below.

The dataset

• pension-directory.json — every country record we hold, for 47 countries
• pension-directory.csv — the same data flattened, for spreadsheets

No account, no key, no sign-up. Take the files.

Version 1.0.0. Adding a field is a minor version; removing or renaming one is a major version.

What a verification date means

last_verified is the date a person checked that entry against the named official source. verification_status applies our thresholds to that date: Current under 180 days, Review due at 180, Outdated at 365. An absent date means no person has checked it yet, and the record says so rather than staying quiet about it.

Right now, all 47 of 47 entries carry a human verification date. We'd rather show you that number than average it away.

We don't publish a review schedule, because we'd rather not promise a cadence we might miss. The date is on every record instead.

How verification is done is set out in our editorial policy. Every correction we've published is at /corrections — and if you find something wrong in the data, that's where it goes.

Field references

• Pension directory — every field, its type, and what a verification date means

Everything documented is live. Nothing is announced here that isn't: if a thing is planned, it doesn't get a page.

Connecting an assistant

The same data is available to AI assistants over the Model Context Protocol at https://pensionchart.com/mcp. Three read-only tools: list the countries, fetch one, filter by retirement age, treaty status or how deep our coverage goes. Every response carries the date a person last verified the record and the citation string, so an assistant quoting a fact has the provenance with it.

There is no key and no sign-up, because there is nothing here to protect: it is the published dataset, and nothing reachable through it touches a person's account or their pension data. It is read-only — no tool writes anything.

If you're going to pull it hard or often, mirror the JSON rather than hitting the endpoint, and tell us so we can plan for it.

Licence and citation

The dataset is published under CC BY 4.0. Use it commercially or otherwise, with attribution, indicating if you've made changes:

This data is published as-is. It's the best record we have and every entry is dated, but pension rules change and portals move without notice. Check anything you're relying on against the official source — every entry names it.

Changelog

• 24 Aug 2026 — v1.0.0. First publication: the pension directory, CC BY 4.0, and the MCP endpoint over the same data.

What's open, and what isn't

Open: how each country's pension system works — retirement ages, qualifying periods, contribution rules, which authority holds what, how it's taxed, whether you can reach it from abroad, and the official portals. All of it, free, with dates and sources.

Not open: anything about a person. The Finder's results, income projections, the claim-age timeline, treaty interactions, and anything in someone's document vault are never published. That work is done for one person and it belongs to them.

Using it commercially

CC BY 4.0 already lets you use this commercially — inside your team, in front of your customers, or bundled into something you sell — as long as you attribute us. Most people need nothing from us at all, and that's the intended outcome.

What a public licence can't give you is a guarantee. If you're building something that depends on this data, there are four things worth paying for:

• Our name off the page — a licence without the attribution requirement
• A feed shaped to you — the subset, schema or format you actually need
• A freshness commitment — named countries re-verified on an agreed schedule, with notice when anything changes
• A warranty and a named contact — CC BY disclaims all warranties; a commercial agreement doesn't have to

From €5,800 a year, depending on how many countries you need and how often you need them checked. There is no API key, no billing portal and no signup form, and we won't build any until someone actually needs one.

Email info@pensionchart.com and tell us what you're building.