Pension Insurance Calculator
Calculate your contributions to statutory pension insurance and the effect on your pension. Current pension values, taxation rate and 2026 contribution.
Employee contribution / month
372,00 €
Earnings points / year
0,9241
Estimated pension
1.507,72 €
per month (gross)
Contribution Calculation
Estimated pension by contribution years
| Years | Earnings Points | Pension / month |
|---|---|---|
| 10 | 9,24 | 376,93 € |
| 20 | 18,48 | 753,86 € |
| 30 | 27,72 | 1.130,79 € |
| 35 | 32,34 | 1.319,25 € |
| 40 | 36,96 | 1.507,72 € |
| 45 | 41,58 | 1.696,18 € |
Contribution Rate (%) 2026: 18,6%. Assessment ceiling: 101.400,00 €.Average earnings: 51.944,00 €. Pension value: 40,79 €.1 earnings point = average earnings of one year. No 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 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 (2026: 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 2026: 18.6% (9.3% each employee and employer). Contribution ceiling 2026: 101,400 euros/year (West and East unified). Min. voluntary contribution: 96.72 euros/month.
Step-by-Step Guide
How to calculate Ihre Rentenversicherungsbeitraege step by step: 1. Beitragspflichtiges Bruttoeinkommen determine: Ihr monatliches Bruttogehalt, begrenzt auf die contribution ceiling (contribution ceiling (BBG) 2026: 8.450 EUR/month = 101.400 EUR/year). income ueber der contribution ceiling (BBG) ist beitragsfrei. 2. contribution rate anwenden: total: 18,6 % des Bruttogehalts. Arbeitnehmeranteil: 9,3 %. Arbeitgeberanteil: 9,3 %. 3. pension points (Entgeltpunkte) calculate: Jahresbruttogehalt / average earnings (Durchschnittsentgelt) (2026: 51.944 EUR) = pension points (Entgeltpunkte) pro year. Bei Durchschnittsverdienst: 1,0 EP. Bei contribution ceiling (BBG) (101.400 EUR): 2,13 EP (Hoechstwert). 4. Renteneffekt: 1 Entgeltpunkt entspricht 40,79 EUR Monatsrente. 5. Freiwillige Beitraege: Fuer self-employed und Hausfrauen/-maenner. Mindestbeitrag: 96,72 EUR/month (= 0,125 EP). Hoechstbeitrag: 1.497,30 EUR/month (= 2,13 EP). Beispiel: employee mit 4.500 EUR gross/month. pension insurance (RV)-contribution (AN-share): 4.500 x 9,3 % = 418,50 EUR/month. AG-share: ebenfalls 418,50 EUR. Gesamtbeitrag: 837 EUR/month. pension points (Entgeltpunkte): (4.500 x 12) / 51.944 = 1,19 EP pro year. Renteneffekt: 1,19 x 40,79 = 48,54 EUR mehr Monatsrente pro Beitragsjahr.
Calculation Example
gross 4.500 EUR/month. AN-contribution (9,3 %): 418,50 EUR. AG-contribution: 418,50 EUR. pension points (Entgeltpunkte): 1,19 EP/year. Renteneffekt: 48,54 EUR mehr Monatsrente pro Beitragsjahr.
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