Disability Pension Calculator Germany
Estimate a full or partial German disability pension for 2026 from income, contribution years and age, with credit period, reduction, net and earnings limit.
Full disability pension (gross)
€1,204.78
per month
Disability pension (net, est.)
€1,055.99
per month (after health/care ins.)
Detailed calculation
Additional income limit (annual)
€20,763.75
Full disability pension: Income above this limit leads to a pension reduction.
Simplified estimate. The credit period is calculated as if you had continued earning until age 66 y 3 m (pension start 2026, § 253a SGB VI; from 2031: 67). Requirement: min. 5 years of insurance, including 3 years of mandatory contributions in the last 5 years. Without guarantee.
Note: These calculations are for informational purposes only and do not replace professional tax or financial advice. All information without guarantee.
FAQ
Frequently Asked Questions
Who is entitled to a disability pension?
You are entitled if you can work less than 6 hours per day (partial disability) or less than 3 hours per day (full disability) due to health reasons, and have at least 5 years of insurance contributions.
How much is the disability pension?
Full disability pension is calculated like a regular pension, with credit for years up to age 67. Partial disability pension is half of the full amount. Deductions apply for early receipt.
Which pension value is used in the calculator?
The current pension value of €42.52 per pension point is used (since 1 July 2026, harmonised West/East Germany). Average earnings for 2026: €51,944/year. Source: Deutsche Rentenversicherung.
Guide
What is the Disability Pension Calculator Germany?
This calculator estimates the amount of a disability pension in the case of partial or full reduction in earning capacity.
How does the Disability Pension Calculator Germany work?
Enter your earnings points to date and your age at the onset of disability. The calculator accounts for credit periods (time up to the standard retirement age is notionally included) and computes the monthly pension.
Key Data and Facts
Full disability pension: ability to work under 3 h/day. Partial: 3-6 h/day (half pension). Requirements: at least 5 years of insurance, of which 3 years of mandatory contributions in the last 5 years.
Step-by-Step Guide
How to calculate the reduced earning capacity pension step by step: 1. Determine the type of reduced earning capacity: Full reduced earning capacity: You can work less than 3 hours a day (in any occupation). Partial reduced earning capacity: You can work 3-6 hours a day. 2. Check the requirements: At least 5 years of insurance period (qualifying period). At least 3 years of compulsory contributions in the last 5 years before the onset of the reduced earning capacity. 3. Calculate the pension amount: Existing earnings points are added together. Supplementary period: The time from the onset of the reduced earning capacity until the end of the supplementary period is added on a notional basis (as if you had continued to work at the average level) — for pensions starting in 2026 up to age 66 and 3 months, rising to 67 by 2031 (§ 253a SGB VI). Pension formula: earnings points x access factor x pension type factor x current pension value. Pension type factor: 1.0 (full reduced earning capacity) or 0.5 (partial reduced earning capacity). Access factor: if the pension starts before age 65 there is a deduction of 0.3 % per month, max. 10.8 % (access factor 0.892) — always the maximum if it starts before 62. 4. Note the additional earnings limit (2026): Full reduced earning capacity pension: 20,763.75 EUR per calendar year (3/8 of 14 times the reference value); above that the pension is reduced by 40 % of the excess (converted to a monthly amount). Partial reduced earning capacity: individual limit, at least 41,527.50 EUR per year (§ 96a SGB VI). Example: Female employee, 45 years old, 20 contribution years, on average 0.9 EP/year, pension starting in 2026. Existing EP: 20 x 0.9 = 18 EP. Supplementary period up to age 66 and 3 months: 21.25 years x 0.9 EP = 19.125 EP. Total EP: 37.125 EP. Full reduced earning capacity pension: 37.125 x 0.892 x 1.0 x 42.52 = 1,408.07 EUR gross. Partial reduced earning capacity pension: 37.125 x 0.892 x 0.5 x 42.52 = 704.04 EUR gross. After deductions (health/long-term care insurance about 12.35 %): full reduced earning capacity pension about 1,234 EUR net.
Calculation Example
45 years old, 20 contribution years, 0.9 EP/year, pension starting in 2026. Existing EP: 18. Supplementary period (21.25 years to age 66 and 3 months): 19.125 EP. Total: 37.125 EP. Full reduced earning capacity pension with the 10.8 % deduction: 37.125 x 0.892 x 42.52 = 1,408 EUR gross (approx. 1,234 EUR net).
Sources
Official sources
Calculations are based on applicable German laws and official data:
- Bundesministerium für Arbeit und Soziales (BMAS)
- Deutsche Rentenversicherung
- Sozialgesetzbuch (SGB) — gesetze-im-internet.de
Full methodology at Methodology.
Reviewed by Konstantin Iakovlev · Last updated:
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