US–Denmark
In force since 2008. Danish periods can carry you over the US 40-credit line — if you hold six US credits of your own.
Pensionaut
Every country you've worked in, added up.
A cross-border pension estimator for people whose working life spans borders. Enter your work history once and see one consolidated retirement-income estimate — with the per-country breakdown behind it.
Nine countries covered — United States, United Kingdom, Denmark, Bulgaria, Germany, Turkey, Mexico, Romania and Russia — across US totalization agreements, EU Reg. 883/2004, the UK–EU TCA Protocol and the German–Turkish agreement. Eight produce an estimate; the Turkish and Russian figures are shown in their own currency rather than folded into a euro total. Mexico is the exception, covered for what it can tell you rather than a figure: its pension is a private account balance no tool can see, and it says so instead of guessing.
Country agreements
Whether your years in one country can carry you over the qualifying line in another depends entirely on the corridor between them. Each page below answers that for one pair — what is in force, what combines, and what does not.
US–Germany
In force since 1979. German contribution years count toward the US 40-credit test and build a German pension of their own.
US–Mexico
Signed in 2004 and never brought into force: US and Mexican periods do not combine in either direction.
US–Romania
In force since 1 September 2026 — the 31st US agreement. Romanian periods now count toward the US 40-credit test.
US–United Kingdom
In force since 1985. UK National Insurance years count toward the US 40-credit test; 35 of them buy a full new State Pension.
From the blog
Sourced, plain-language writing on the machinery behind the numbers — EU coordination, US totalization, and the gaps between them.
- Worked in several EU countries? You'll get a separate pension from each.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.
- Some of the countries you've worked in connect. Some are dead ends.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.
- How Your Pension Works When You've Worked in Multiple CountriesWorked 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.
- US and Denmark: Will You Get Both Pensions?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.