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Disability Pension Calculator

When illness or disability limits your ability to work, the German disability pension provides financial support. Estimate your full or partial pension here — including the credited period, reduction and additional earnings, as of 2026.

100% freeNo data stored2026 pension value & limits

Your situation

Type of reduced earning capacity

You can work less than 3 hours a day — pension type factor 1.0.

Time limit

Paid from the 7th calendar month after onset (§ 101 SGB VI).

Pension entitlements

EP
40 years of contributions

With 40 years of contribution and credit periods (excluding the credited period), the reduction only applies before age 63 instead of 65.

Additional earnings & health insurance

€
%
Children

Care insurance 3.6%

Your disability pension (gross)

€1,722.76

per month · Without reduction: €1,931.34

Payout after health/care insurance

€1,510.00

after estimated tax

€1,478.75

Pension start

08/2026

Age at onset: 49 years, 7 months

Reduction

10.8 %

36 months · Access factor 0.892

Credited period

+15.42 EP

up to age 66 years, 3 months

Without the credited period it would only be €1,137.84. Old-age pension from 07/2043.

Your earnings limit: €20,763.75 per calendar year

Your additional earnings are below the limit — the pension is paid in full.

Pension by additional earnings

Up to the limit the pension stays the same. Above it, it drops by 40% of one twelfth of the excess amount.

How your pension is calculated

Earnings points so far30.0000
Average per year (basic valuation)0.9207
Months of credited period201
+ earnings points from credited period15.4220
= total earnings points45.4220
× access factor0.892
= personal earnings points40.5164
× pension type factor1.0
× current pension value€42.52
= monthly pension before earnings€1,722.76
= gross pension€1,722.76
− health insurance (KVdR)€150.74
− care insurance€62.02
= payout€1,510.00
− income tax (estimate) (Taxable share 84.0 %)€31.25
after estimated tax€1,478.75

Assumptions & notes

  • The credited period is valued at the average of your earnings points so far (basic valuation). The pension insurance also runs a comparative valuation and values non-contributory periods individually — so the result may differ slightly.
  • The calculation uses the current pension value of €42.52 (from 1 July 2026). Future pension increases are not included.
  • The insurance requirements (5-year qualifying period, 3 years of compulsory contributions in the last 5 years) are assumed to be met.
  • Net: compulsory membership in pensioners' health insurance (KVdR). The tax is estimated assuming the pension is your only income.

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Guide: Disability Pension

Requirements, application, credited period, earnings and supplement explained

German Disability Pension 2026: Requirements, Calculation and AmountFeatured

German Disability Pension 2026: Requirements, Calculation and Amount

Full or partial disability pension, credited period up to 66 years and 3 months, reduction of up to 10.8% and a pension value of €42.52: the complete guide with a worked example.

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Applying for a Disability Pension: Requirements, Medical Assessment and Time Limits

Applying for a Disability Pension: Requirements, Medical Assessment and Time Limits

Qualifying period, three years of contributions, rehabilitation before pension and why most disability pensions are time-limited: the application step by step.

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Earning Money on a Disability Pension in 2026: Limits and Offsetting

Earning Money on a Disability Pension in 2026: Limits and Offsetting

€20,763.75 for a full pension, at least €41,527.50 for a partial one: how the limits are calculated and how much is deducted if you exceed them.

2026-09-246 min read
Credited Period and Reduction: Why the Disability Pension Is Higher Than Expected

Credited Period and Reduction: Why the Disability Pension Is Higher Than Expected

The credited period treats you as if you had kept working until 66 years and 3 months. The reduction is capped at 10.8%. Both explained with examples.

2026-09-246 min read
Disability Pension Supplement: 7.5% or 4.5% for Existing Pensions

Disability Pension Supplement: 7.5% or 4.5% for Existing Pensions

People receiving a disability pension that started between 2001 and the end of 2018 get a supplement. Since December 2025 it has been part of the pension. Who qualifies and how much it is.

2026-09-245 min read

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Frequently Asked Questions

The amount depends on your earnings points, the credited period, the reduction and the type of reduced earning capacity. Example: with 30 earnings points and the onset of full reduced earning capacity at age 50, the credited period adds around 15 earnings points. After the 10.8% reduction, at a pension value of €42.52 this gives about €1,700 gross per month. A partial disability pension is half as much. The average disability pension is considerably lower because many people previously had gaps or low incomes.

You have full reduced earning capacity if, due to illness or disability, you can work less than three hours a day on the general labour market for the foreseeable future. Partial reduced earning capacity means you can work three to under six hours (§ 43 SGB VI). The full pension has a pension type factor of 1.0, the partial one 0.5. If you have partial reduced earning capacity but no suitable part-time job, you can still receive the full pension — the so-called labour market pension.

The credited period treats you as if you had continued paying contributions after the onset of reduced earning capacity up to a certain age — at the average of your previous contributions. For pensions starting in 2026 it ends at 66 years and 3 months (§ 253a SGB VI). It rises gradually and reaches age 67 for pensions starting from 2031. The earlier the reduced earning capacity begins, the larger its share of the pension.

For each month the pension starts before your 65th birthday, the access factor drops by 0.3%. Because a pension starting before 62 is treated as if it started at 62, the reduction is at most 36 months × 0.3% = 10.8% (§ 77(2) no. 3 SGB VI). With 40 years of contribution and credit periods, the reduction only applies if the pension starts before 63 (§ 77(4)). The reduction also carries over to the later old-age pension as far as it is based on the same earnings points.

In 2026 you may earn €20,763.75 per calendar year alongside a full disability pension (3/8 of 14 times the reference value of €3,955). For a partial disability pension the limit is at least €41,527.50 — or higher if you earned well in the last 15 years before the onset. If you exceed the limit, 40% of one twelfth of the excess is deducted from the monthly pension (§ 96a SGB VI). Note: with full reduced earning capacity your working time must still stay below three hours a day.

Usually yes. Disability pensions are granted for a maximum of three years and can be extended (§ 102(2) SGB VI). A time-limited pension is only paid from the seventh calendar month after the onset. It becomes permanent if improvement is unlikely — this is assumed after nine years of time-limited payments at the latest. The gap until the pension starts is often bridged by sickness benefit or unemployment benefit.

Compulsorily insured pensioners pay 7.3% health insurance plus half of the additional rate and 3.6% care insurance (4.2% if childless) on the disability pension, just like old-age pensioners. For a €1,700 pension that is about €210 per month. The pension is also taxable at the taxable share of the start year — 84% in 2026. As long as the pension is your only income, little or no income tax is often due.

When you reach the regular retirement age, the disability pension ends. A regular old-age pension is then paid automatically, without a new application (§ 115(3) SGB VI). It is based on at least the previous personal earnings points (§ 88 SGB VI) — so the reduction of the disability pension remains, but so does the credited period. The earnings limits no longer apply once you receive the old-age pension.