Widow's Pension Calculator
Calculate the entitlement to widow's or widower's pension. Large and small widow's pension compared. Free online, no registration required, up-to-date for 2026.
Details
Widow Pension per Month
940,74 €
Large Widow pension (55%)
Total Income
2.140,74 €
Own income + Widow pension
Widow Pension per Year
11.288,93 €
Income Credit
Note: The large widow pension (55%) is paid if the survivor is over 47, has reduced earning capacity, or is raising a child. The small widow pension (25%) is limited to 24 months. Allowance West 2026: 1.076,86 € + 228,42 € per child. 40% of excess income is credited. As of: 2026.
Note: These calculations are for informational purposes only and do not replace professional tax or financial advice. All information without guarantee.
Frequently Asked Questions
How much is the widow's/widower's pension?
The small widow's pension is 25% of the deceased's pension for 24 months. The large widow's pension is 55% (or 60% under old law) if the survivor is over 47, disabled, or raising a child.
Does my own income affect the widow's pension?
Yes, own income above a tax-free allowance (currently about 992 euros net in West Germany) is credited at 40%. This means for every euro above the threshold, the pension is reduced by 40 cents.
What is the Widow's Pension Calculator?
The widow's/widower's pension calculator computes the amount of survivor's pension for spouses and registered partners.
How does the Widow's Pension Calculator work?
Enter the deceased's pension and your own income. Small widow's pension: 25% for 24 months. Large widow's pension: 55% (old law: 60%). Own income above the allowance is offset at 40%.
Key Data and Facts
Large widow's pension (new law): 55% of the insured person's pension. Allowance: 1,038.05 euros (West, 2026). Requirements: marriage at least 1 year and deceased had 5 years' qualifying period.
Step-by-Step Guide
How to calculate die Witwenrente step by step: 1. Art der Witwenrente bestimmen: Kleine Witwenrente: 25 % der Versichertenrente fuer 24 Monate. Voraussetzung: keine eigenen Kinder und unter 47 Jahre. Grosse Witwenrente: 55 % der Versichertenrente (neues Recht, Heirat ab 2002) oder 60 % (altes Recht). Voraussetzung: Alter ueber 47 Jahre, oder Erziehung eines Kindes, oder erwerbsgemindert. 2. Versichertenrente determine: Die pension, die der Verstorbene bezogen hat oder haette. Im Sterbevierteljahr (erste 3 Monate) wird die volle pension des Verstorbenen gezahlt. 3. Eigenes income anrechnen: Eigenes Nettoeinkommen minus tax allowance (1.038,05 EUR West, 2026). Vom uebersteigenden Betrag werden 40 % auf die Witwenrente angerechnet. 4. Kinderzuschlag: Bei Kinderziehung erhoehts sich die grosse Witwenrente um einen Zuschlag pro Kind. Beispiel: Verstorbener hatte Rentenanspruch von 1.600 EUR. Witwe ist 52 Jahre alt, eigenes Nettoeinkommen 1.500 EUR. Grosse Witwenrente (55 %): 1.600 x 55 % = 880 EUR. Einkommensanrechnung: 1.500 - 1.038,05 = 461,95 EUR. Davon 40 %: 184,78 EUR Kuerzung. Witwenrente nach Anrechnung: 880 - 184,78 = 695,22 EUR/month. Im Sterbevierteljahr: volle 1.600 EUR/month.
Calculation Example
Verstorbener: 1.600 EUR pension. Witwe, 52 Jahre, net 1.500 EUR. Grosse Witwenrente (55 %): 880 EUR. Einkommensanrechnung: (1.500 - 1.038,05) x 40 % = 184,78 EUR. Auszahlung: 695,22 EUR/month.
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