Pension Taxation Calculator
Determine the taxable portion of your pension and the income tax due in retirement. Free online, no registration required, with 2026 tax rates and allowances.
Monthly: 1.500,00 €
Taxation share
84,0%
Taxable portion
15.120,00 €
Pension tax allowance
2.880,00 €
Tax calculation
Monthly gross pension
1.500,00 €
Monthly pension after tax
1.461,83 €
The taxation share applies for life from the year pension begins. 2026: 84.0%. From 2058 pensions will be taxed at 100%. Tax depends on other income and deductions. Without guarantee.
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 are pensions taxed in Germany?
The taxable portion of statutory pensions depends on the year retirement begins. For 2026 retirees, 84.0% is taxable. By 2058, 100% of the pension will be taxable.
Is there a basic tax-free allowance for pensioners?
Yes, the same basic tax-free allowance of 12,348 euros (2026) applies. In addition, the non-taxable portion of the pension (determined by the year of retirement) remains fixed for life.
What is the Pension Taxation Calculator?
The pension taxation calculator determines the taxable portion of your statutory pension. The taxation share depends on the year in which you began drawing your pension.
How does the Pension Taxation Calculator work?
Enter the annual gross pension and the year retirement began. The calculator determines the taxable share and the tax-free portion. The tax-free amount is fixed in the first full year of retirement and remains constant.
Key Data and Facts
Taxable share: retirement start 2026: 84.0%. From 2058: 100%. Pension allowance fixed in the year following retirement. Basic allowance 2026: 12,348 euros.
Step-by-Step Guide
How to calculate die Rentenbesteuerung step by step: 1. Jahresbruttorente determine: Multiplizieren Sie Ihre monatliche Bruttorente mit 12. Die Bruttorente steht im Rentenbescheid der DRV. 2. Besteuerungsanteil bestimmen: Der share haengt vom year des Rentenbeginns ab. pension start 2005 oder frueher: 50 %. 2010: 60 %. 2015: 70 %. 2020: 80 %. 2026: 84.0%. Ab 2058: 100 %. 3. Rentenfreibetrag calculate: Jahresbruttorente x (100 % - Besteuerungsanteil) = steuerfreier Teil. Dieser Betrag wird im ersten vollen Rentenjahr festgeschrieben und bleibt dauerhaft gleich. 4. taxable income (zu versteuerndes income): Bruttorente minus Rentenfreibetrag minus work-related expenses (Werbungskosten) (Pauschale 102 EUR) minus special expenses (Sonderausgaben) (health insurance (KV)- und long-term care insurance (PV)-Beitraege). 5. tax calculate: Wenn das taxable income (zvE) unter dem basic personal allowance (Grundfreibetrag) von 12.348 EUR liegt, faellt keine tax an. Beispiel: pension start 2026, monatliche Bruttorente 1.800 EUR. Jahresbruttorente: 21.600 EUR. Besteuerungsanteil (2026): 84.0%. Steuerpflichtiger share: 21.600 x 84.0% = 18.036 EUR. Rentenfreibetrag: 21.600 x 16,5 % = 3.564 EUR (dauerhaft festgeschrieben). Abzueglich work-related expenses (Werbungskosten) (102 EUR), health insurance (KV)/long-term care insurance (PV)-Beitraege (ca. 2.300 EUR). taxable income (zvE): ca. 15.634 EUR. income tax (Einkommensteuer): ca. 660 EUR/year (ca. 55 EUR/month). Rentenerhoehungen werden kuenftig voll besteuert.
Calculation Example
pension start 2025, Bruttorente 1.800 EUR/month (21.600 EUR/year). Besteuerungsanteil 84.0%: 18.036 EUR steuerpflichtig. tax allowance: 3.564 EUR. Nach Abzuegen taxable income (zvE) ca. 15.634 EUR. income tax (Einkommensteuer): ca. 660 EUR/year (55 EUR/month).
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