Pension insurance in Croatia is one of the branches of social insurance that is considered a particularly important part of the social security system. The main goal of pension insurance is to provide employees with adequate retirement income, and its main purpose is to provide income to the elderly population depending on their health ability, ie the percentage of disability, risk of injury and risk of death. A person's life is filled with various and important milestones - from going to school, going to college, employment to retirement. Retirement for each individual represents a change in the pace of life and reorganization and requires a kind of adjustment. Therefore, it is important that future retirees prepare and collect certain information in time to make the transition from the work environment to retirement as easy and comfortable as possible. Until 2002, there was a pension system in Croatia that consisted of paying contributions through the system of intergenerational solidarity and as such became unsustainable. The pension reform introduced three pillars of pension insurance. In addition to the first pillar, the second pension pillar based on individual capitalized savings was introduced, as well as the third pension pillar, which is voluntary for people who want to pay independently according to their abilities in order to additionally provide old age funds. Such a system has survived to this day. Some of the challenges facing the Croatian pension system are the unfavorable ratio between the number of insured persons and pensioners, the large number of pensioners who individually receive small pensions with a tendency to further reduce them and high allocations for pension insurance. In addition to the above, additional challenges are early retirement with a relatively short insurance period and relatively low savings of citizens for retirement.