Retirement Start Calculator Germany
From your birth date and contribution years: your regular retirement date in Germany, retiring at 63 with a reduction and the penalty-free start after 45 years.
Regular retirement start
1 July 2042
Standard retirement age: 67 years
Age limit reached on 14 June 2042
Pension from 63
For long-term insured (35 contribution years)
1 July 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. The pension starts on the 1st of the month after the age limit is reached (Section 99(1) SGB VI); if you were born on the 1st of a month, you reach it on the last day of the previous month. 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 without deductions from 63 to 65 depending on your birth year – from 65 if you were born in 1964 or later.
Does my pension start in the month of my birthday?
Usually not: the old-age pension starts on the first day of the month following the month in which you reach the age limit (§ 99 SGB VI). Someone born on 15 June 1975 turns 67 in June 2042 and receives the pension from 1 July 2042; someone born on the first day of a month reaches the age limit the day before and gets the pension from the birth month itself. That is why the calculator also asks for your day of birth and shows both the day you reach the age limit and the date your pension starts.
Guide
What is the Retirement Start Calculator Germany?
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 Germany 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. After 45 contribution years: no deduction from 63 to 65 (born 1964+: 65). 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. The pension always starts on the 1st of the month after the age limit is reached (Section 99(1) SGB VI). Example: born 15 May 1966, standard retirement age 67, reached on 14 May 2033 – pension starts 1 June 2033. Insurance period: 38 years. Earliest possible pension start: at 63 (1 June 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
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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