VBL Calculator — German Public Sector Pension 2026
Calculate your VBL company pension (Versorgungsanstalt des Bundes und der Länder) for public sector employees. With pension points and 2026 examples. For Germany.
Details
Estimated VBL Pension per Month
€435.40
€5,224.80 per year
Total Supply Points
108.9
5.4 SP/year x 20 years
Total Contribution / Month
€255.50
Employer share: €192.15
Employee share: €63.35
Note: This calculation is highly simplified and for rough guidance only. Actual VBL company pension depends on many factors. As of: 2026.
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
What is the VBL pension?
VBL (Versorgungsanstalt des Bundes und der Laender) provides supplementary pensions for public sector employees. It is a compulsory occupational pension that supplements the statutory pension.
How much does VBL cost?
In the West accounting section the total levy is 7.30% of the pensionable pay: employees contribute 1.81% of gross salary, the employer 5.49% (rates in force since 1 January 2023). The VBL pension amount depends on the contribution period and income during employment.
Are 2026 standard rates reflected?
Yes — Bürgergeld, child benefit (€259/child), Wohngeld and other social benefits are all set to 2026 rates. Source: Federal Ministry of Labour and Social Affairs (BMAS) and German social code (SGB).
Guide
What is the VBL Calculator — German Public Sector Pension 2026?
The VBL calculator computes the supplementary pension from the Federal and State Pension Institution for public-sector employees.
How does the VBL Calculator — German Public Sector Pension 2026 work?
Enter your gross salary, length of employment and mandatory insurance period. The calculator determines the pension points and computes the monthly VBL supplementary pension in addition to the statutory pension.
Key Data and Facts
VBLklassik: mandatory insurance in the public sector. Total levy (West): 7.30% of the pensionable pay, of which employer 5.49% and employee 1.81% (rates in force since 1 January 2023). Reference amount: 4 EUR per pension point. VBL pension supplements the statutory pension.
Step-by-Step Guide
How to calculate the VBL company pension step by step: 1. Enter the earnings subject to supplementary pension contributions: the gross salary on which VBL contributions are paid (largely corresponds to the gross according to TV-L or TVoeD). 2. Check the contributions: employee levy: 1.81 % of the gross. Employer levy: 5.49 % of the gross (total West levy 7.30 %, in force since 1 January 2023). With VBLextra (voluntary supplementary provision): additional personal contributions are possible. 3. Calculate the pension points: annual points = (annual earnings / 12) / 1,000 EUR reference pay x the age factor of that calendar year. The age factor is higher for younger employees (interest effect) and falls with every year of age. 4. Add up the pension points: sum all annual points over the entire period of employment. 5. Monthly company pension: sum of pension points x reference amount (4 EUR). 6. Together with the statutory pension, this results in the total provision in old age.
Calculation Example
Public sector employee, gross 4,200 EUR/month, joining at 30, 35 years of service (ages 30 to 64). Employee levy: 4,200 x 1.81% = 76.02 EUR/month, employer levy: 4,200 x 5.49% = 230.58 EUR/month. Pay ratio: 4,200 / 1,000 = 4.2. Sum of the age factors for ages 30 to 64: 45.3. Pension points: 4.2 x 45.3 = 190.26. VBL pension: 190.26 x 4 EUR = 761.04 EUR/month.
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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