Pension Calculator
Calculate your expected statutory pension. With earning points, pension factor and access factor.
2025: 39,32 EUR (West = Ost)
Monthly Pension (gross)
1.560,39 €
Monthly Pension (net, est.)
1.326,37 €
Pension Calculation
Deductions (estimated)
Simplified calculation. Actual deductions depend on individual factors.
Note: These calculations are for informational purposes only and do not replace professional tax or financial advice. All information without guarantee.
Frequently Asked Questions
How is the statutory pension calculated?
Your monthly pension equals your pension points (Entgeltpunkte) times the current pension value (currently 39.32 euros in West Germany). You earn one pension point per year of average earnings.
When can I retire?
The regular retirement age is gradually increasing to 67. With 45 years of contributions, you can retire at 63-65 without deductions. Early retirement is possible with deductions of 0.3% per month.
What is the Pension Calculator?
The pension calculator estimates your expected statutory pension based on your current and future earnings points.
How does the Pension Calculator work?
Enter your current gross income and insurance duration. The calculator determines the annual earnings points (income / average earnings) and projects them to retirement age. Monthly pension = earnings points * access factor * pension type factor * current pension value.
Key Data and Facts
Current pension value (from 01 Jul 2025): 39.32 euros (West and East equalised). Standard retirement age: gradual increase to 67. Average earnings 2025: 45,358 euros.
Related Calculators
Retirement Start Calculator
Determine your earliest possible retirement date. With standard retirement age and deductions for early retirement.
Pension Gap Calculator
Calculate the difference between your needs in old age and the statutory pension.
Disability Pension Calculator
Calculate your entitlement to disability pension for partial or full incapacity to work.
Pension Insurance Calculator
Calculate your contributions to statutory pension insurance and the effect on your pension.