How to say "pension" in Japanese

• 年金ねんきんCommon
  no-adjectiveThe word for a pension in the financial sense: money paid regularly after retirement, as in company or national pension schemes; it also covers annuities.
  彼女かのじょは年金ねんきんで生計せいけいを立たてなければならない。↗

  She has to live on the pension.
• ペンションCommon
  nounThe loanword for the European sense of 'pension': a Western-style boarding house offering rooms and meals to guests, the kind of lodging found in resort and mountain areas.
  両親りょうしんはスキーヤー用ようのペンションを経営けいえいしています。↗

  My parents run a pension for skiers.
• 恩給おんきゅうCommon
  no-adjectiveA pension paid especially to retired public servants, such as former government officials; it is not the word for an ordinary company or private pension.
• 民宿みんしゅくJLPT N1approx.Common
  nounA private home that takes in travelers, i.e. a guest house or B&B; although 'pension' appears among its senses, for the Western-style boarding-house meaning ペンション is the word you want.
  あの民宿みんしゅくなら、素泊すどまり５千ごせん円えんだよ。↗

  That inn is 5,000 yen a night, meals excluded.

For pension as retirement money use 年金, or 恩給 for a public servant's pension; for the lodging sense use 「ペンション」, a Western-style boarding house, while 民宿 is a private-home guest house.

Usage comparisons are AI-assisted and cross-checked by multiple models; for study reference only

• 年金ねんきんannuity
• ペンションpension (Western-style boarding house)
• 恩給おんきゅうpension (esp. public servant's)
• 民宿みんしゅくguest house
• 退職年金たいしょくねんきん(retirement) pension
• 年金生活ねんきんせいかつ(living on a) pension