Pension Calculator
Calculate your expected statutory pension. With earning points, pension factor and access factor. Current pension values, taxation rate and 2026 contribution.
2026: 40.79 EUR (West = East)
Monthly Pension (gross)
1.413,48 €
Monthly Pension (net, est.)
1.225,26 €
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 40.79 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 2026): 40.79 euros (West and East equalised). Standard retirement age: gradual increase to 67. Average earnings 2026: 51,944 euros.
Step-by-Step Guide
How to calculate Ihre gesetzliche pension step by step: 1. pension points (Entgeltpunkte) pro year calculate: Ihr Jahresbruttoeinkommen geteilt durch das average earnings (Durchschnittsentgelt) (2026: 51.944 EUR). Bei Durchschnittsverdienst erhalten Sie exakt 1,0 pension points (Entgeltpunkte) pro year. 2. Gesamte pension points (Entgeltpunkte) addieren: Alle pension points (Entgeltpunkte) aus der gesamten Erwerbsbiografie zusammenrechnen. Kindererziehungszeiten (ca. 1 EP pro Kind), Pflegezeiten und Ausbildungszeiten werden beruecksichtigt. 3. access factor bestimmen: Bei pension zum Regelalter: 1,0. Bei vorzeitigem pension start: Abschlag von 0,3 % pro month (max. 14,4 %). Bei spaeteren pension start: Zuschlag von 0,5 % pro month. 4. Rentenformel anwenden: Monatsrente = pension points (Entgeltpunkte) x access factor x pension type factor (1,0 bei Altersrente) x aktueller pension value (Rentenwert) (40,79 EUR). Beispiel: employee mit 45 Beitragsjahren und durchschnittlich 40.000 EUR gross/year. pension points (Entgeltpunkte) pro year: 40.000 / 51.944 = 0,882 EP. total-EP: 0,882 x 45 = 39,69 EP. Monatsrente: 39,69 x 1,0 x 1,0 x 40,79 = 1.619,16 EUR gross. Davon gehen health insurance (KV)- und long-term care insurance (PV)-Beitraege (ca. 11 %) ab: Nettorente ca. 1.441 EUR. Bei 2 Jahren frueherer pension (24 Monate x 0,3 % = 7,2 % Abschlag): 1.619,16 x 0,928 = 1.502,58 EUR gross.
Calculation Example
45 Beitragsjahre, Durchschnittsgehalt 40.000 EUR. pension points (Entgeltpunkte): 39,69. Monatsrente: 39,69 x 40,79 EUR = 1.619 EUR gross (ca. 1.441 EUR net). Bei 2 Jahren Fruehverrentung (7,2 % Abschlag): 1.503 EUR gross.
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