VBL Calculator — German Public Sector Pension 2026
Estimate your VBL public-sector pension in Germany: gross pay, years of service and entry age give pension points, monthly pension and contributions.
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. Contributions use the rates of the West accounting section: levy 6.90 % (employer 5.49 %, employee 1.41 %) plus an additional employee contribution of 0.40 %, i.e. 1.81 % paid by the employee. In the East accounting section employees instead pay 4.25 % into the funded scheme, the employer 1.06 % levy and 2.00 % contribution. 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 levy rate is 6.90% of the pensionable pay, plus an additional employee contribution of 0.40% – 7.30% in total: employees pay 1.81% (1.41% levy + 0.40%), the employer 5.49% (rates in force since 1 January 2023). In the East accounting section employees pay 4.25% into the funded scheme instead. The VBL pension amount depends on the contribution period and income during employment.
What is the age factor in the VBL pension?
In VBLklassik, each year of employment earns pension points: monthly pay divided by 1,000 euros, multiplied by the age factor for that calendar year; each point is worth 4 euros of monthly pension. The age factor falls with age – from 3.1 at 17 via 2.0 at 30 and 1.0 at 55 down to 0.8 from 62 – because points earned early are notionally credited with interest for longer. With a monthly gross salary of 3,500 euros, a year at age 30 therefore earns 7 points (28 euros of monthly pension), a year at 55 only 3.5 points (14 euros). The calculator determines the factor anew for each year of service, starting from your entry age.
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 pensionable monthly pay, the number of years of service in the mandatory insurance and your entry age. 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. West accounting section: levy 6.90% of the pensionable pay (employer 5.49%, employee 1.41%) plus an additional employee contribution of 0.40%, 7.30% in total (since 1 January 2023); employees therefore pay 1.81%. In the East accounting section they pay 4.25% into the funded scheme. 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 (West accounting section): employee share 1.81 % of pay, namely 1.41 % levy plus the additional employee contribution of 0.40 %. Employer share: 5.49 % (levy rate 6.90 %, 7.30 % including the additional contribution, since 1 January 2023). Pay is taken into account up to two and a half times the pension insurance contribution ceiling (2026: 21,125 EUR a month). 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 share (1.41% levy + 0.40% additional contribution): 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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