Pension Insurance Calculator Germany
German pension insurance for 2026: 18.6 % up to the 101,400 € ceiling, split between employee and employer, plus earnings points and an estimated pension.
Employee contribution / month
€372.00
Earnings points / year
0.9241
Estimated pension
€1,571.66
per month (gross)
Contribution Calculation
Estimated pension by contribution years
| Years | Earnings Points | Pension / month |
|---|---|---|
| 10 | 9.24 | €392.92 |
| 20 | 18.48 | €785.83 |
| 30 | 27.72 | €1,178.75 |
| 35 | 32.34 | €1,375.20 |
| 40 | 36.96 | €1,571.66 |
| 45 | 41.58 | €1,768.12 |
Contribution Rate (%) 2026: 18.6%. Assessment ceiling: €101,400.00.Average earnings: €51,944.00. Pension value: €42.52.1 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.
FAQ
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: 8,450 euros/month nationwide; separate East and West ceilings were abolished in 2025).
Can I make voluntary pension contributions?
Only people who are not compulsorily insured can join voluntarily, from age 16 (§ 7 SGB VI) – for example self-employed people without compulsory insurance, homemakers or Germans living abroad. In 2026 the voluntary contribution ranges from 112.16 euros (18.6% of 603 euros) to 1,571.70 euros a month; it is tax-deductible as a pension expense within the annual cap and increases your pension entitlement. Compulsorily insured employees can pay extra only in special cases, e.g. from 50 to offset deductions for an early old-age pension, or up to 45 to buy back school education periods. The calculator itself does not model voluntary contributions.
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
What is the Pension Insurance Calculator Germany?
The pension insurance calculator computes your monthly contributions to the statutory pension scheme and the earnings points acquired.
How does the Pension Insurance Calculator Germany work?
Enter your annual gross income and the planned contribution years. The calculator computes the pension contribution (employee and employer share, 9.3% each) up to the contribution ceiling, the earnings points acquired per year and, from these, an estimated monthly pension at the current pension value. It does not calculate voluntary contributions; for orientation, in 2026 they range from 112.16 to 1,571.70 euros a month.
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: 112.16 euros/month.
Step-by-Step Guide
How to calculate your pension insurance contributions step by step: 1. Determine the gross income subject to contributions: your monthly gross salary, capped at the contribution assessment ceiling (BBG 2026: 8,450 EUR/month = 101,400 EUR/year). Income above the BBG is exempt from contributions. 2. Apply the contribution rate: total: 18.6 % of the gross salary. Employee share: 9.3 %. Employer share: 9.3 %. 3. Calculate the earnings points: annual gross salary / average wage (2026: 51,944 EUR) = earnings points per year. On an average income: 1.0 earnings points. At the BBG (101,400 EUR): 1.95 earnings points (maximum value). 4. Pension effect: 1 earnings point corresponds to 42.52 EUR of monthly pension. 5. Voluntary contributions (for information, not part of the calculator): for anyone not compulsorily insured, from age 16 – e.g. self-employed people without compulsory insurance, homemakers. Minimum contribution: 112.16 EUR/month (≈ 0.14 earnings points). Maximum contribution: 1,571.70 EUR/month (= 1.95 earnings points). Example: an employee with 4,500 EUR gross/month. Pension contribution (employee share): 4,500 x 9.3 % = 418.50 EUR/month. Employer share: likewise 418.50 EUR. Total contribution: 837 EUR/month. Earnings points: (4,500 x 12) / 51,944 = 1.04 earnings points per year. Pension effect: 1.04 x 42.52 = 44.22 EUR more monthly pension per contribution year.
Calculation Example
Gross 4,500 EUR/month. Employee contribution (9.3%): 418.50 EUR. Employer contribution: 418.50 EUR. Earnings points: 1.04 EP/year. Pension effect: 44.22 EUR more monthly pension per contribution year.
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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