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.
FAQ
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.
Are 2026 standard rates reflected?
Yes — Bürgergeld, child benefit (€255/child), Wohngeld and other social benefits are all set to 2026 rates. Source: Federal Ministry of Labour and Social Affairs (BMAS) and German social code (SGB).
Guide
Quick Answer
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.
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 basic income support in old age step by step: 1. Check entitlement: reaching the standard retirement age (67 for those born 1964+) or permanent full incapacity for work. 2. Determine the requirement: standard requirement 2026: 563 EUR (single), 506 EUR (partner in a household community). Housing costs: actual rent + heating costs, provided they are reasonable. Additional requirement: e.g. 17 % of the standard rate for holders of a severely disabled person's pass with the marker G (= 95.71 EUR). Health and long-term care insurance contributions (these are covered). 3. Offset income: pension, company pension and private provision are offset. Allowance for Riester/company pension: 100 EUR + 30 % of the amount exceeding it (up to a maximum of 281 EUR total). 4. Check assets: protected assets: 10,000 EUR per person. An owner-occupied property remains protected. Retirement provision is partly protected. 5. Entitlement = requirement minus countable income. Example: single pensioner, pension 850 EUR/month, rent 450 EUR including heating. Requirement: 563 (standard rate) + 450 (housing) = 1,013 EUR. Income: 850 EUR pension (less 30 EUR insurance flat rate) = 820 EUR countable income. Basic income support: 1,013 - 820 = 193 EUR/month. No recourse to children for maintenance as long as their income is below 100,000 EUR/year.
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.
Sources · E-E-A-T
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.
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