A new online tool facilitates the evaluation of social security contributions and expenditures, while businesses can gain physical advantages through tax deduction from the TFR contribution. The access to the supplementary insurance simulator is possible via the Ministry of Labor's Previsional Complementarity Portal, where all necessary information for using the application is available. To use the integrated insurance simulator, you need to input your age, annual gross salary, starting year of work life, and the amount to be paid into the pension fund. As a result, it returns the presumed first pillar pension and complementary income, along with the difference between the last estimated income and the comprehensive payment. Taxation is an essential element in the integrated insurance simulator.

Employees can obtain physical advantages through deduction of the TFR contribution, while enterprises benefit from a reduction in costs through the deduction of the TFR contribution. Another important aspect of the integrated savings simulator is its ability to show the effect of changes in the TFR destination. This allows employees to evaluate how their decisions on TFR destinations affect their final retirement pension. The estimation of income and expenditure for pensions is a complex process that requires deep knowledge of pension-related regulations.

The integrated insurance simulator has significantly improved this phase by offering an efficient and reliable technological solution. Additionally, the integrated insurance simulator provides several additional features such as the possibility of entering hypothetical contributions or retirement expenses, allowing anyone to evaluate the impact of future choices on potential employment or investments. Finally, the integrated insurance simulator is available for workers who are not obliged to the INPS Treasury Fund but have automatically subscribed to pension funds without having yet paid the TFR. This tool facilitates financial information management and helps resolve liquidity issues when exiting.