{"id":133876,"date":"2026-01-21T11:22:30","date_gmt":"2026-01-21T09:22:30","guid":{"rendered":"https:\/\/www.santaka.info\/?p=133876"},"modified":"2026-01-21T11:22:30","modified_gmt":"2026-01-21T09:22:30","slug":"jei-kaupiate-arba-norite-pradeti-ka-reikia-zinoti","status":"publish","type":"post","link":"https:\/\/www.santaka.info\/index.php\/2026\/01\/21\/jei-kaupiate-arba-norite-pradeti-ka-reikia-zinoti\/","title":{"rendered":"Jei kaupiate arba norite prad\u0117ti \u2013 k\u0105 reikia \u017einoti"},"content":{"rendered":"<p><strong>Pastaruoju metu vie\u0161ojoje erdv\u0117je daug d\u0117mesio skiriama sprendimams d\u0117l pensij\u0173 kaupimo. Primename pagrindinius dalykus, kuriuos verta \u017einoti liekantiems kaupti arba svarstantiems prad\u0117ti.<\/strong><\/p><p><strong>Jau kaupiu: ar reikia k\u0105 nors daryti?<\/strong><\/p><p>Nieko papildomai daryti nereikia. Jei dirbate pagal darbo sutart\u012f, darbdavys ir toliau perveda 3 proc. nuo J\u016bs\u0173 atlyginimo \u012f pensij\u0173 fond\u0105, o valstyb\u0117 papildomai prideda 1,5 proc. nuo pra\u0117jusi\u0173 met\u0173 vidutinio darbo u\u017emokes\u010dio. 2026 metais valstyb\u0117s skatinamoji \u012fmoka yra 33,49 euro per m\u0117nes\u012f.<\/p><p>Pavyzd\u017eiui, dirbate samdom\u0105 darb\u0105 ir u\u017edirbate 1153 eurus neatskai\u010dius mokes\u010di\u0173 per m\u0117nes\u012f. 2026 metais J\u016bs\u0173 pensij\u0173 kaupimo \u012fmoka yra 34,59 euro. Kartu su valstyb\u0117s skatinam\u0105ja \u012fmoka kas m\u0117nes\u012f \u012f J\u016bs\u0173 pensij\u0173 fond\u0105 pervedama 68,08 euro.<\/p><p>Jei dirbate savaranki\u0161kai, \u012fmokas mokate patys \u2013 kartu su kitomis socialinio draudimo \u012fmokomis kas m\u0117nes\u012f arba kart\u0105 per metus deklaruodami pajamas.<\/p><p>Jeigu laikinai nedirbate, \u012fmok\u0173 mok\u0117ti nereikia.<\/p><p><strong>Esu kaupimo dalyvis, ta\u010diau neterminuotai sustabd\u017eiau \u012fmok\u0173 mok\u0117jim\u0105<\/strong><\/p><p>Dalis antrosios pensij\u0173 pakopos dalyvi\u0173 tai \u017emon\u0117s, kurie iki 2019 m. bir\u017eelio 30 d. neterminuotai sustabd\u0117 pensij\u0173 kaupimo \u012fmok\u0173 mok\u0117jim\u0105. Tai rei\u0161kia, kad tuo metu jie nusprend\u0117 nebemok\u0117ti nauj\u0173 \u012fmok\u0173, ta\u010diau iki tol sukauptos l\u0117\u0161os liko pensij\u0173 fonduose ir toliau yra investuojamos.<\/p><p>Informacij\u0105 apie tai, ar esate neterminuotai sustabd\u0119 \u012fmok\u0173 mok\u0117jim\u0105, galite rasti prisijung\u0119 prie savo <a href=\"https:\/\/gyventojai.sodra.lt\">asmenin\u0117s \u201eSodros\u201c paskyros<\/a>. Joje taip pat matysite, kurioje pensij\u0173 kaupimo bendrov\u0117je kaupiate.<\/p><p>Jeigu nuspr\u0119site atnaujinti anks\u010diau neterminuotai sustabdyt\u0173 \u012fmok\u0173 mok\u0117jim\u0105, tur\u0117site pateikti pra\u0161ym\u0105 savo pensij\u0173 kaupimo bendrovei.<\/p><p><strong>Esu kaupimo dalyvis, ta\u010diau laikinai sustabd\u017eiau \u012fmok\u0173 mok\u0117jim\u0105<\/strong><\/p><p>Jeigu dalyvaujate antrosios pensij\u0173 pakopos pensij\u0173 kaupime, ta\u010diau esate pateik\u0119 pra\u0161ym\u0105 tam tikram laikotarpiui stabdyti \u012fmok\u0173 mok\u0117jim\u0105, per t\u0105 laikotarp\u012f \u012fmokos nuo J\u016bs\u0173 atlyginimo neskai\u010diuojamos. Suma, kuri jau yra pensij\u0173 fonde, ir toliau yra investuojama pensij\u0173 kaupimo bendrov\u0117s.<\/p><p>Pasibaigus \u012fmok\u0173 sustabdymo laikotarpiui, \u012fmokos \u012f pensij\u0173 fond\u0105 v\u0117l pradedamos pervesti \u012fprasta tvarka \u2013 Jums nieko daryti nereikia.<\/p><p>Svarbu \u017einoti, kad nuo 2026 m. sausio 1 d. \u012fmokas galima stabdyti 12 m\u0117nesi\u0173 laikotarpiui neribot\u0105 skai\u010di\u0173 kart\u0173, net jeigu \u0161ia galimybe jau buvote pasinaudoj\u0119 anks\u010diau. Jeigu nuspr\u0119site atnaujinti \u012fmok\u0173 mok\u0117jim\u0105 dar nepasibaigus \u012fmok\u0173 sustabdymo laikotarpiui, reik\u0117s pateikti pra\u0161ym\u0105 pensij\u0173 kaupimo bendrovei.<\/p><p><strong>Dar nekaupiu, bet noriu prad\u0117ti: k\u0105 daryti?<\/strong><\/p><p>Sausio m\u0117nes\u012f gyventojams, kurie iki \u0161iol niekada nebuvo kaupimo dalyviai, bus siun\u010diami informaciniai prane\u0161imai apie galimyb\u0119 kaupti antroje pakopoje. Tai yra pasi\u016blymas ir informacija.<\/p><p>Jei norite prad\u0117ti kaupti, tereikia i\u0161sirinkti vien\u0105 i\u0161 Lietuvoje veikian\u010di\u0173 pensij\u0173 kaupimo bendrovi\u0173 ir sudaryti pensij\u0173 kaupimo sutart\u012f su ja.<br>Jei nuspr\u0119site to nedaryti \u2013 netapsite pensij\u0173 kaupimo dalyviu, joki\u0173 papildom\u0173 veiksm\u0173 imtis nereik\u0117s.<\/p><p>Pasira\u0161yti sutart\u012f su savo pasirinkta pensij\u0173 kaupimo bendrove galite bet kada, net jei negausite informacinio prane\u0161imo apie galimyb\u0119 prisijungti prie kaupimo.<\/p><p><strong>Ar galima gr\u012f\u017eti \u012f pensij\u0173 kaupim\u0105, jei buvau pasitrauk\u0119s?<\/strong><\/p><p>\u017dmogus gali bet kada sudaryti nauj\u0105 pensij\u0173 kaupimo sutart\u012f, jei dar n\u0117ra sulauk\u0119s senatv\u0117s pensijos am\u017eiaus ir turi draud\u017eiam\u0173j\u0173 pajam\u0173, nuo kuri\u0173 mokamos socialinio draudimo \u012fmokos. Joki\u0173 papildom\u0173 finansini\u0173 ar laiko apribojim\u0173 n\u0117ra \u2013 galioja tos pa\u010dios s\u0105lygos kaip ir visiems naujiems pensij\u0173 kaupimo dalyviams.<\/p><p>Atkreipkite d\u0117mes\u012f, kad nauja sutartis nepradeda galioti i\u0161 karto \u2013 ji \u012fsigalioja nuo tre\u010dio m\u0117nesio pirmos dienos, skai\u010diuojant nuo sutarties \u012fregistravimo Pensij\u0173 kaupimo dalyvi\u0173 ir sutar\u010di\u0173 registre. Tai bendra taisykl\u0117, taikoma visiems.<\/p><p>Sugr\u012f\u017eus \u012f pensij\u0173 kaupim\u0105, dalyvavimas pradedamas i\u0161 naujo. \u017dmon\u0117s, kurie kart\u0105 jau pasinaudojo galimybe pasitraukti i\u0161 pensij\u0173 kaupimo pereinamuoju 2026\u20132027 met\u0173 laikotarpiu, antr\u0105 kart\u0105 \u0161ia i\u0161imtine galimybe pasinaudoti nebegal\u0117s, nes pereinamasis laikotarpis galioja tik sutartims, sudarytoms iki 2025 m. gruod\u017eio 31 d.<\/p><p><strong>Kur rasti informacij\u0105 apie mano pensij\u0173 kaupim\u0105?<\/strong><\/p><p>Jei dalyvaujate pensij\u0173 kaupime, pagrindin\u0119 informacij\u0105 apie J\u016bs\u0173 pervestas \u012fmokas ir sukaupt\u0105 pensij\u0173 turt\u0105 rasite prisijung\u0119 prie savo asmenin\u0117s \u201eSodros\u201c paskyros.<\/p><p>Pagrindiniame paskyros puslapyje pateikiama informacija, kiek i\u0161 viso pinig\u0173 pervesta \u012f J\u016bs\u0173 pensij\u0173 fondo s\u0105skait\u0105 iki \u0161ios dienos. \u010cia rasite informacij\u0105, kiek \u012fmok\u0173 perved\u0117 \u201eSodra\u201c, kiek sudaro J\u016bs\u0173 asmenin\u0117s \u012fmokos ir kiek \u2013 valstyb\u0117s skatinamosios \u012fmokos. Taip pat matysite, kokio dyd\u017eio sum\u0105 bendrai turite sukaup\u0119 pensij\u0173 fonde.<\/p><p>Asmenin\u0117je paskyroje nurodoma, kiek pinig\u0173 b\u016bt\u0173 i\u0161mok\u0117ta Jums \u012f s\u0105skait\u0105, jei nuspr\u0119stum\u0117te pasitraukti i\u0161 pensij\u0173 kaupimo ir kiek sugr\u012f\u017et\u0173 \u012f \u201eSodr\u0105\u201c ir b\u016bt\u0173 paversta pensij\u0173 apskaitos vienetais.<\/p>","protected":false},"excerpt":{"rendered":"<p>Pastaruoju metu vie\u0161ojoje erdv\u0117je daug d\u0117mesio skiriama sprendimams d\u0117l pensij\u0173 kaupimo. Primename pagrindinius dalykus, kuriuos verta \u017einoti liekantiems kaupti arba svarstantiems prad\u0117ti. Jau kaupiu: ar reikia k\u0105 nors daryti? Nieko&#8230; <\/p>\n","protected":false},"author":13,"featured_media":118252,"comment_status":"open","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"pmpro_default_level":"","jetpack_post_was_ever_published":false,"_FSMCFIC_featured_image_caption":"","_FSMCFIC_featured_image_nocaption":"","_FSMCFIC_featured_image_hide":"","_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[24],"tags":[],"class_list":["post-133876","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-aktualijos","pmpro-has-access"],"featured_image_urls":{"full":["https:\/\/www.santaka.info\/wp-content\/uploads\/2025\/01\/SoDra-1.jpg",431,311,false],"thumbnail":["https:\/\/www.santaka.info\/wp-content\/uploads\/2025\/01\/SoDra-1-150x150.jpg",150,150,true],"medium":["https:\/\/www.santaka.info\/wp-content\/uploads\/2025\/01\/SoDra-1-300x216.jpg",300,216,true],"medium_large":["https:\/\/www.santaka.info\/wp-content\/uploads\/2025\/01\/SoDra-1.jpg",431,311,false],"large":["https:\/\/www.santaka.info\/wp-content\/uploads\/2025\/01\/SoDra-1.jpg",431,311,false],"1536x1536":["https:\/\/www.santaka.info\/wp-content\/uploads\/2025\/01\/SoDra-1.jpg",431,311,false],"2048x2048":["https:\/\/www.santaka.info\/wp-content\/uploads\/2025\/01\/SoDra-1.jpg",431,311,false],"post-thumbnail":["https:\/\/www.santaka.info\/wp-content\/uploads\/2025\/01\/SoDra-1.jpg",431,311,false],"visualnews_post_thumb":["https:\/\/www.santaka.info\/wp-content\/uploads\/2025\/01\/SoDra-1.jpg",431,311,false],"woocommerce_thumbnail":["https:\/\/www.santaka.info\/wp-content\/uploads\/2025\/01\/SoDra-1-300x300.jpg",300,300,true],"woocommerce_single":["https:\/\/www.santaka.info\/wp-content\/uploads\/2025\/01\/SoDra-1.jpg",431,311,false],"woocommerce_gallery_thumbnail":["https:\/\/www.santaka.info\/wp-content\/uploads\/2025\/01\/SoDra-1-100x100.jpg",100,100,true]},"author_info":{"info":["Gidas"]},"category_info":"<a href=\"https:\/\/www.santaka.info\/index.php\/category\/aktualijos\/\" rel=\"category tag\">Aktualijos<\/a>","tag_info":"Aktualijos","comment_count":"0","jetpack_featured_media_url":"https:\/\/www.santaka.info\/wp-content\/uploads\/2025\/01\/SoDra-1.jpg","jetpack_sharing_enabled":true,"jetpack-related-posts":[],"_links":{"self":[{"href":"https:\/\/www.santaka.info\/index.php\/wp-json\/wp\/v2\/posts\/133876","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.santaka.info\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.santaka.info\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.santaka.info\/index.php\/wp-json\/wp\/v2\/users\/13"}],"replies":[{"embeddable":true,"href":"https:\/\/www.santaka.info\/index.php\/wp-json\/wp\/v2\/comments?post=133876"}],"version-history":[{"count":1,"href":"https:\/\/www.santaka.info\/index.php\/wp-json\/wp\/v2\/posts\/133876\/revisions"}],"predecessor-version":[{"id":133877,"href":"https:\/\/www.santaka.info\/index.php\/wp-json\/wp\/v2\/posts\/133876\/revisions\/133877"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.santaka.info\/index.php\/wp-json\/wp\/v2\/media\/118252"}],"wp:attachment":[{"href":"https:\/\/www.santaka.info\/index.php\/wp-json\/wp\/v2\/media?parent=133876"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.santaka.info\/index.php\/wp-json\/wp\/v2\/categories?post=133876"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.santaka.info\/index.php\/wp-json\/wp\/v2\/tags?post=133876"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}