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.
Details
Estimated VBL Pension per Month
€490.56
€5,886.72 per year
Total Supply Points
122.6
6.1 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?
Employees contribute about 1.81% of gross salary; the employer contributes about 6.45%. The VBL pension amount depends on the contribution period and income during employment.
Are 2026 standard rates reflected?
Yes — Bürgergeld, child benefit (€255/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
Quick Answer
The VBL calculator computes the supplementary pension from the Federal and State Pension Institution for public-sector employees.
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. Employee contribution: 1.81%. Employer contribution: 6.45%. 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: 6.45 % of the gross. With VBLextra (voluntary supplementary provision): additional personal contributions are possible. 3. Calculate the pension points: annual points = (annual earnings / reference earnings) x age factor. The age factor is higher for younger employees (interest effect). 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, 35 years of service. Employee contribution: 76.02 EUR/month. Estimated pension points: approx. 85. VBL pension: 85 x 4 EUR = 340 EUR/month.
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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