Basic Security Calculator
Check your entitlement to basic security in old age or disability. With current 2026 standard rates, allowances and eligibility check.
Personal Details
Housing Costs
Income
Basic Security Entitlement
713,00 €
per month
Total Need
1.083,00 €
Standard need: 563,00 €
Housing costs: 520,00 €
Creditable Income
370,00 €
Note: Basic security in old age and in case of reduced earning capacity (SGB XII) is available to persons from standard retirement age or with full reduction in earning capacity. Actual benefits depend on further factors. As of: 2026.
Note: These calculations are for informational purposes only and do not replace professional tax or financial advice. All information without guarantee.
Frequently Asked Questions
What is basic security in old age?
Basic security (Grundsicherung im Alter) is financial support for people over the retirement age or with permanent full disability whose income and assets are insufficient. It covers living expenses and housing.
How is basic security different from Bürgergeld?
Basic security is for retirees and permanently disabled persons, while Bürgergeld is for employable people. Both cover similar needs but through different programs and offices.
What is the Basic Security Calculator?
The basic income support calculator computes the entitlement to basic security in old age or in the case of reduced earning capacity under SGB XII.
How does the Basic Security Calculator work?
Enter income, assets and housing costs. The calculator determines the need (standard rate + housing + additional needs) and deducts countable income. Assets are considered with allowances.
Key Data and Facts
Standard rate 2026 (single): 563 euros. No maintenance recourse against children with income under 100,000 euros/year. Protected assets: 10,000 euros per person.
Step-by-Step Guide
How to calculate die Grundsicherung im Alter step by step: 1. Anspruchsberechtigung pruefen: Erreichen der Regelaltersgrenze (67 Jahre fuer Jahrgang 1964+) oder volle Erwerbsminderung auf Dauer. 2. Bedarf determine: Regelbedarf 2026: 563 EUR (Alleinstehend), 506 EUR (Partner in Bedarfsgemeinschaft). Unterkunftskosten: Tatsaechliche Miete + Heizkosten, sofern angemessen. Mehrbedarf: z. B. 17 % des Regelsatzes bei Besitz eines Schwerbehindertenausweises mit Merkzeichen G (= 95,71 EUR). Kranken- und Pflegeversicherungsbeitraege (werden uebernommen). 3. income anrechnen: pension, Betriebsrente, private Vorsorge werden angerechnet. tax allowance fuer Riester-/Betriebsrente: 100 EUR + 30 % des uebersteigenden Betrags (bis max. 281 EUR total). 4. Vermoegen pruefen: Schonvermoegen: 10.000 EUR pro Person. Selbstgenutzte Immobilie bleibt geschuetzt. Altersvorsorge ist teilweise geschuetzt. 5. Anspruch = Bedarf minus anrechenbares income. Beispiel: Alleinstehender pensioner, pension 850 EUR/month, Miete 450 EUR warm. Bedarf: 563 (standard rate (Regelsatz)) + 450 (Unterkunft) = 1.013 EUR. income: 850 EUR pension (abzgl. 30 EUR Versicherungspauschale) = 820 EUR anrechenbares income. Grundsicherung: 1.013 - 820 = 193 EUR/month. Kein Unterhaltsrueckgriff auf Kinder, solange deren income unter 100.000 EUR/year liegt.
Calculation Example
Alleinstehender pensioner, pension 850 EUR, Miete 450 EUR warm. Bedarf: 563 + 450 = 1.013 EUR. Anrechenbares income: 820 EUR. Grundsicherung: 193 EUR/month.
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