Türkiye’de Emekliliğin Finansal Matematiği: Nüfus yaşlanması, çalışma hayatı, gelir ve tasarruf ilişkileri

The Financial Mathematics of Retirement in Türkiye. This study examines population ageing, working life, retirement income and saving indicators using secondary data from the OECD, TurkStat, the Social Security Institution and the Pension Monitoring Center. Descriptive comparisons and accounting identities are combined with deterministic scenarios based on constant real contributions and withdrawals. It distinguishes demographic dependency from insurance-system contributor ratios, and theoretical replacement rates from observed household income. The scenarios examine accumulation and withdrawal horizons, real returns and the sequence of returns. Turkish manuscript with an English abstract. Original version: https://doi.org/10.5281/zenodo.22819909.