{"id":22506,"date":"2025-09-10T09:00:23","date_gmt":"2025-09-10T06:00:23","guid":{"rendered":"https:\/\/www.kariyer.net\/kariyer-rehberi\/?p=22506"},"modified":"2025-09-11T11:32:18","modified_gmt":"2025-09-11T08:32:18","slug":"maaslardan-zorunlu-3-kesinti-tes-ne-zaman-uygulanacak","status":"publish","type":"post","link":"https:\/\/www.kariyer.net\/kariyer-rehberi\/maaslardan-zorunlu-3-kesinti-tes-ne-zaman-uygulanacak\/","title":{"rendered":"Maa\u015flardan zorunlu %3 kesinti! TES ne zaman uygulanacak?"},"content":{"rendered":"

2026 y\u0131l\u0131nda uygulanmas\u0131 planlanan Tamamlay\u0131c\u0131 Emeklilik Sistemi (TES) ile \u00e7al\u0131\u015fanlar\u0131n maa\u015f\u0131ndan her ay %3 kesinti yap\u0131lacak. Sistemin zorunlu olmas\u0131 ve k\u0131dem tazminat\u0131na etkisi \u015fimdiden tart\u0131\u015fma yarat\u0131yor.<\/strong><\/p>\n

2026-2028 d\u00f6nemini kapsayan Orta Vadeli Program (OVP)<\/strong> ile birlikte Tamamlay\u0131c\u0131 Emeklilik Sistemi (TES)<\/strong>\u2019in hayata ge\u00e7irilece\u011fi a\u00e7\u0131kland\u0131. Program\u0131n, 2026 y\u0131l\u0131n\u0131n ikinci \u00e7eyre\u011finde uygulanmaya ba\u015flamas\u0131 \u00f6ng\u00f6r\u00fcl\u00fcyor. Uygulamayla \u00e7al\u0131\u015fan maa\u015flar\u0131ndan her ay %3 oran\u0131nda<\/strong> kesinti yap\u0131lacak ve bu tutar TES fonuna<\/strong> aktar\u0131lacak. D\u00fczenlemede, sistemin zorunlu olaca\u011f\u0131<\/strong> ve \u00e7al\u0131\u015fanlara cayma hakk\u0131 tan\u0131nmayaca\u011f\u0131<\/strong> ifade ediliyor.<\/p>\n

Tamamlay\u0131c\u0131 emeklilik sistemi (TES) nedir?<\/h2>\n

T\u00fcrkiye\u2019de bir s\u00fcredir g\u00fcndemde olan Tamamlay\u0131c\u0131 Emeklilik Sistemi (TES)<\/strong>, mevcut sosyal g\u00fcvenlik ve bireysel emeklilik uygulamalar\u0131na ek olarak tasarlanan bir model olarak sunuluyor. Sistem, \u00e7al\u0131\u015fanlar\u0131n maa\u015flar\u0131ndan belirli bir oranda kesinti yap\u0131lmas\u0131n\u0131 ve bu tutar\u0131n uzun vadede birikerek emeklilik d\u00f6neminde ek gelir \u015feklinde kullan\u0131lmas\u0131n\u0131 i\u00e7eriyor. Sistem, SGK\u2019dan tamamen ba\u011f\u0131ms\u0131z<\/strong> \u00e7al\u0131\u015facak \u015fekilde tasarlan\u0131yor.<\/p>\n

\u00c7al\u0131\u015fanlar i\u00e7in ne anlama geliyor?<\/h2>\n

\u00c7al\u0131\u015fanlar\u0131n TES\u2019te biriken tutarlara eri\u015febilmesi i\u00e7in en az 10 y\u0131l sistemde kalmalar\u0131<\/strong> gerekecek. Bu tutar \u00e7al\u0131\u015fan\u0131n ad\u0131na TES hesab\u0131na yat\u0131r\u0131lacak ve emeklilik d\u00f6neminde toplu para ya da maa\u015f olarak geri \u00f6denecek. Emeklilik hakk\u0131n\u0131n kullan\u0131lmas\u0131 i\u00e7in belirlenen ya\u015f \u015fart\u0131 kad\u0131nlarda 58<\/strong>, erkeklerde 60<\/strong> olarak \u00f6ng\u00f6r\u00fcl\u00fcyor.<\/p>\n

Ayr\u0131ca yap\u0131lacak d\u00fczenlemeyle k\u0131dem tazminat\u0131nda kazan\u0131lm\u0131\u015f haklar\u0131n korunaca\u011f\u0131<\/strong> belirtiliyor.<\/p>\n

\u0130\u015fveren katk\u0131s\u0131 da +%3 olarak uygulanacak<\/h2>\n

TES’e g\u00f6re; \u00e7al\u0131\u015fanlar\u0131n maa\u015f\u0131ndan yap\u0131lacak %3\u2019l\u00fck kesintiye i\u015fverenler de ayn\u0131 oranda<\/strong> katk\u0131 yapacak. Tamamlay\u0131c\u0131 Emeklilik Sistemi (TES) kapsam\u0131nda i\u015fverenlerin \u00e7al\u0131\u015fan ba\u015f\u0131na yapaca\u011f\u0131 e\u015fit katk\u0131, ek mali bir y\u00fck olu\u015fturacak gibi g\u00f6r\u00fcn\u00fcyor. Bu y\u00fck, \u00f6zellikle k\u00fc\u00e7\u00fck ve orta \u00f6l\u00e7ekli i\u015fletmeler i\u00e7in b\u00fct\u00e7e planlamas\u0131nda \u00f6nemli bir de\u011fi\u015fken olarak de\u011ferlendirilebilir. \u0130\u015fverenlerin maa\u015f zamlar\u0131, performans primleri veya yan haklar<\/strong> gibi b\u00fct\u00e7e kalemlerinde nas\u0131l bir d\u00fczenleme yapacaklar\u0131 ise zaman i\u00e7inde g\u00f6r\u00fclecek.<\/p>\n

BES\u2019ten farklar\u0131<\/h2>\n

Bireysel Emeklilik Sistemi (BES) ile Tamamlay\u0131c\u0131 Emeklilik Sistemi (TES) aras\u0131nda baz\u0131 temel farkl\u0131l\u0131klar bulunuyor. BES\u2019te otomatik kat\u0131l\u0131m uygulan\u0131yor olsa da \u00e7al\u0131\u015fanlar sisteme dahil olduktan sonra belirli bir s\u00fcre i\u00e7inde cayma hakk\u0131na sahip olabiliyor ve katk\u0131 oranlar\u0131n\u0131 kendi tercihlerine g\u00f6re de\u011fi\u015ftirebiliyorlar.<\/p>\n

TES\u2019te ise durum farkl\u0131! \u00c7al\u0131\u015fanlardan zorunlu olarak %3 oran\u0131nda kesinti<\/strong> yap\u0131lmas\u0131 \u00f6ng\u00f6r\u00fcl\u00fcyor ve bu kesinti do\u011frudan TES fonuna aktar\u0131l\u0131yor. Ayr\u0131ca i\u015fverenin de ayn\u0131 oranda katk\u0131 sa\u011flamas\u0131 planlan\u0131yor. Buna ek olarak, devletin sisteme yapaca\u011f\u0131 katk\u0131n\u0131n %30<\/strong> olarak kurguland\u0131\u011f\u0131 belirtiliyor. Bu yap\u0131, TES\u2019in BES\u2019e g\u00f6re daha standart ve zorunlu bir modele dayand\u0131\u011f\u0131n\u0131 g\u00f6steriyor.<\/p>\n

Kaynak: 1 – <\/a>2<\/a><\/p>\n\n

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2026 y\u0131l\u0131nda uygulanmas\u0131 planlanan Tamamlay\u0131c\u0131 Emeklilik Sistemi (TES) ile \u00e7al\u0131\u015fanlar\u0131n maa\u015f\u0131ndan her ay %3 kesinti yap\u0131lacak. Sistemin zorunlu olmas\u0131 ve k\u0131dem tazminat\u0131na etkisi \u015fimdiden tart\u0131\u015fma yarat\u0131yor. 2026-2028 d\u00f6nemini kapsayan Orta Vadeli Program (OVP) ile birlikte Tamamlay\u0131c\u0131 Emeklilik Sistemi (TES)\u2019in hayata ge\u00e7irilece\u011fi a\u00e7\u0131kland\u0131. Program\u0131n, 2026 y\u0131l\u0131n\u0131n ikinci \u00e7eyre\u011finde uygulanmaya ba\u015flamas\u0131 \u00f6ng\u00f6r\u00fcl\u00fcyor. Uygulamayla \u00e7al\u0131\u015fan maa\u015flar\u0131ndan her ay […]<\/p>\n\n

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