Pension system of The Republic of Croatia represents a social insurance program that operates in such a way that the employee during his working life, pays contributions to the I and II insurance pillars, but the III pillar is on a voluntary basis. The future of the pension system was established by the Pension Insurance Act (OG 157/13, 151/14, 33/15, 93/15, 120/16, 18/18, 62/18, 115/18, 102/19, 84/21), which has undergone constant changes. Pursuant to the aforementioned laws, pension funds have been established where insured people pay their contributions within the I, II, III pillars of the pension system. In the Republic of Croatia, it has been informally said for many years that the younger generation should not count on a pension as an option because of the ratio of workers and retirees is becoming increasingly unfavorable. With such indications and indicators of trends, the pension system will become unsustainable in the foreseeable future because of the growing number of those workers who pay pension insurance and the number of retirees wil be completely equal. From all of the above, it can be concluded that the state pension should be viewed as a safety net, instead of a income that will ensure a peaceful old age.