Retirement Start Calculator
Determine your earliest possible retirement date. With standard retirement age and deductions for early retirement. Free online calculator with examples and.
Regular retirement start
June 2042
Standard retirement age: 67 years
Pension from 63
For long-term insured (35 contribution years)
June 2038
Deduction: 14.4% (48 months x 0.3%)
Pension with 45 contribution years
Especially long-term insured (no deduction)
Not possible (at least 45 contribution years required, currently: 35)
Standard retirement age: from birth year 1964 = 67 years. Deduction for early retirement: 0.3% per month (max. 14.4%). Especially long-term insured (45 contribution years): from birth year 1964 no deduction at 65. Without guarantee.
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 the regular retirement age?
The regular retirement age is gradually increasing from 65 to 67 depending on your birth year. Those born in 1964 or later have a retirement age of 67.
Can I retire early?
With 35 years of insurance, you can retire from 63 with deductions (0.3% per month early). With 45 years of contributions (especially long-insured), you can retire from 63 without deductions.
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
Quick Answer
The retirement start calculator determines when you can retire: standard retirement, early retirement and pension for long-term insured persons.
What is the Retirement Start Calculator?
The retirement start calculator determines when you can retire: standard retirement, early retirement and pension for long-term insured persons.
How does the Retirement Start Calculator work?
Enter your date of birth. The calculator computes the standard retirement age (gradual increase to 67) and options for earlier retirement with deductions (0.3% per month) or without deductions after 45 insurance years.
Key Data and Facts
Standard retirement age: birth year 1964+: 67. Retirement at 63: after 45 contribution years without deduction. Early with deduction: max. 14.4% (48 months * 0.3%).
Step-by-Step Guide
How to determine your pension start date step by step: 1. Enter your date of birth: your year of birth determines the standard retirement age. Born 1958: 66 years. 1959: 66 years + 2 months. 1960: 66 + 4. 1961: 66 + 6. 1962: 66 + 8. 1963: 66 + 10. From 1964: 67 years. 2. Check your insurance years: the minimum insurance period (5 years) for the standard old-age pension. 35 years for the old-age pension for long-term insured persons (from 63 with a reduction). 45 years for the old-age pension for especially long-term insured persons (without reduction). 3. Determine the earliest possible pension start: standard old-age pension: from the standard retirement age (no reduction). Pension from 63 (35 years): up to 48 months earlier with a 0.3 % reduction per month (max. 14.4 %). Pension after 45 years: without reduction, at the earliest at 63-65 years (depending on year of birth). 4. Calculate the reductions: per month before the standard retirement age: 0.3 %. This reduction applies permanently for the entire pension drawing period. Example: born 1966, standard retirement age 67 years (= May 2033). Insurance period: 38 years. Earliest possible pension start: at 63 years (May 2029) = 48 months earlier. Reduction: 48 x 0.3 % = 14.4 %. With a calculated pension of 1,500 EUR: 1,500 x 85.6 % = 1,284 EUR permanently. Alternative: reach 45 contribution years and retire at 65 without any reduction.
Calculation Example
Born in 1966, standard retirement age 67 years. If the pension starts at 63 (48 months earlier): deduction of 14.4%. Pension 1,500 EUR x 85.6% = 1,284 EUR/month permanently.
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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