Pension Insurance Calculator
Calculate your contributions to statutory pension insurance and the effect on your pension.
AN-Beitrag / Monat
372,00 €
Entgeltpunkte / Jahr
1,0582
Geschätzte Rente
1.664,41 €
pro Monat (brutto)
Contribution Calculation
Geschätzte Rente nach Beitragsjahren
| Years | Earnings Points | Rente / Monat |
|---|---|---|
| 10 | 10,58 | 416,10 € |
| 20 | 21,16 | 832,21 € |
| 30 | 31,75 | 1.248,31 € |
| 35 | 37,04 | 1.456,36 € |
| 40 | 42,33 | 1.664,41 € |
| 45 | 47,62 | 1.872,46 € |
Beitragssatz 2025: 18,6%. BBG: 96.600,00 €. Durchschnittsentgelt: 45.358,00 €. Rentenwert: 39,32 €. 1 Entgeltpunkt = Durchschnittsverdienst eines Jahres. Angaben ohne Gewähr.
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 much do I contribute to pension insurance?
The contribution rate is 18.6% of gross income, split equally between employer and employee (9.3% each). Contributions are capped at the income ceiling (2025: 7,550 euros/month in West, 7,450 euros/month in East).
Can I make voluntary pension contributions?
Yes, anyone over 16 can make voluntary contributions to the statutory pension, currently between 96.72 and 1,404.30 euros per month. These are fully tax-deductible and increase your pension entitlement.
What is the Pension Insurance Calculator?
The pension insurance calculator computes your monthly contributions to the statutory pension scheme and the earnings points acquired.
How does the Pension Insurance Calculator work?
Enter your gross income. The calculator computes the pension contribution (employee and employer share) and the annual earnings points. Optionally, voluntary additional contributions and their pension effect can be calculated.
Key Data and Facts
Contribution rate 2025: 18.6% (9.3% each employee and employer). Contribution ceiling 2025: 96,600 euros/year (West and East unified). Min. voluntary contribution: 96.72 euros/month.
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