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
€1,571.66
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: 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.
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
Quick Answer
The pension insurance calculator computes your monthly contributions to the statutory pension scheme and the earnings points acquired.
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 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): 2.13 earnings points (maximum value). 4. Pension effect: 1 earnings point corresponds to 42.52 EUR of monthly pension. 5. Voluntary contributions: for the self-employed and homemakers. Minimum contribution: 96.72 EUR/month (= 0.125 earnings points). Maximum contribution: 1,497.30 EUR/month (= 2.13 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 = 1.19 earnings points per year. Pension effect: 1.19 x 42.52 = 50.60 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: 1.19 EP/year. Pension effect: 50.60 EUR more monthly pension per contribution year.
Sources · E-E-A-T
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.
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