Pension Calculator Germany
From annual gross income, contribution years and start year it estimates earnings points and your German pension, gross (pension value 42.52 €) and net.
from 01.07.2026: 42.52 EUR (West = East)
Monthly Pension (gross)
€1,473.43
Monthly Pension (net, est.)
€1,285.05
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.
FAQ
Frequently Asked Questions
How is the statutory pension calculated?
Your monthly pension equals your pension points (Entgeltpunkte) times the current pension value (currently 42.52 euros, nationwide). 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.
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 Pension Calculator Germany?
The pension calculator estimates your expected statutory pension based on your current and future earnings points.
How does the Pension Calculator Germany 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): 42.52 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 your statutory pension step by step: 1. Calculate the earnings points per year: your annual gross income divided by the average wage (2026: 51,944 EUR). On an average income you earn exactly 1.0 earnings points per year. 2. Add up all earnings points: total the earnings points from your entire working life. Child-raising periods (3 earnings points per child born from 1992, 2.5 before), care periods and education periods are taken into account. 3. Determine the access factor: for a pension at the standard retirement age: 1.0. For an early pension start: a reduction of 0.3 % per month (max. 14.4 %). For a later pension start: a bonus of 0.5 % per month. 4. Apply the pension formula: monthly pension = earnings points x access factor x pension type factor (1.0 for old-age pension) x current pension value (42.52 EUR). Example: an employee with 45 contribution years and an average gross income of 40,000 EUR/year. Earnings points per year: 40,000 / 51,944 = 0.770 earnings points. Total earnings points: 0.770 x 45 = 34.65. Monthly pension: 34.65 x 1.0 x 1.0 x 42.52 = 1,473.43 EUR gross. Health and long-term care insurance contributions (approx. 12.35 %) are deducted from this: net pension approx. 1,291 EUR before income tax. If the pension is the only income, a pension starting in 2026 (taxable share 84 %) incurs only about 25 EUR of income tax a year after the allowances for income-related expenses and special expenses and the health and care insurance contributions. With a pension two years earlier (24 months x 0.3 % = 7.2 % reduction): 1,473.43 x 0.928 = 1,367.35 EUR gross.
Calculation Example
45 contribution years, average salary 40,000 EUR. Earnings points: 34.65. Monthly pension: 34.65 x 42.52 EUR = 1,473 EUR gross (approx. 1,291 EUR after health and care insurance; income tax as the only income about 25 EUR a year). With 2 years of early retirement (7.2% deduction): 1,367 EUR gross.
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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