R

German Pension Calculator 2026

How large will your German state pension be? The calculator works out your pension points, the access factor for an earlier or later start and your net pension after health insurance, care insurance and tax.

100% freeNo data storedPension value €42.52 (as of July 2026)

Important: an estimate, not your official pension statement

This calculator projects your current income forward in a straight line and uses the current pension value of €42.52 per pension point. Only the German pension insurance can give binding information about your entitlements — through your annual Renteninformation or the detailed Rentenauskunft from age 55. Not pension or tax advice.

Income and age

€

Insurance record

Deductions and assumptions

%
Net pension per month

€1,460.26

Gross pension per month: €1,768.12 · Pension starts in: 2053

Total pension points

41.58

0.924 per year

Access factor

1.000

0.0 %

per year

€17,523.12

net

Approximation across all contribution years at your current salary. Entering your pension points from the official statement makes the estimate considerably more accurate.

Deduction or bonus

No deduction — you retire at the deduction-free age limit.

Your standard retirement age

67 years

Deduction-free from

65 years

Earliest possible start

63 years

With 45 contribution years you qualify for the deduction-free pension for especially long-term insured — for your cohort two years before the standard retirement age.

Gross pension by retirement age

Every month earlier costs 0.3%, every month later adds 0.5% — calculated here for your pension points.

All retirement dates compared

AgeAdjustmentGross/monthNet/month
63-14.4 %€1,513.51€1,290.34
64-10.8 %€1,577.16€1,334.30
650.0 %€1,768.12€1,464.51
660.0 %€1,768.12€1,462.34
67Your choice0.0 %€1,768.12€1,460.26
68+6.0 %€1,874.21€1,529.08
69+12.0 %€1,980.29€1,597.22
70+18.0 %€2,086.38€1,664.63

Deducted from the gross pension

Gross pension per month€1,768.12
Health insurance (8.75%)− €154.71
Long-term care insurance (3.60 %)− €63.65
Tax (income tax, solidarity surcharge, church tax)− €89.50
Net remaining€1,460.26

Taxable share

97.5 %

Tax-free pension allowance per year

€530.44

Your pension gap

Monthly gap

€1,181.49

Replacement rate

55 %

Today's net income

€2,641.75

Net pension

€1,460.26

Purchasing power in today's money

€855.51

This is what your net pension is worth in today's purchasing power at the assumed rate of inflation.

What this calculation assumes

  • The calculation uses the current pension value of €42.52 per pension point, valid since 1 July 2026. Future pension increases are not included — they raise the nominal amount but broadly only offset inflation.
  • One contribution year at exactly the average wage of €51,944 yields exactly one pension point. Your current salary is projected forward unchanged; pay rises, part-time work, parental leave and unemployment are not modelled.
  • The pensioners' health insurance contribution (7.3% plus half the supplementary rate, 8.75% in total) and the full care insurance contribution are deducted from the pension. Tax follows the taxable share of your retirement cohort, with health and care contributions deducted as special expenses.
  • Other income in retirement — an occupational pension, private provision, rental income, your partner's pension — is not included but would raise your tax rate. The result is a non-binding estimate and does not replace pension or tax advice.

Important: an estimate, not your official pension statement

This calculator projects your current income forward in a straight line and uses the current pension value of €42.52 per pension point. Only the German pension insurance can give binding information about your entitlements — through your annual Renteninformation or the detailed Rentenauskunft from age 55. Not pension or tax advice.

Email results

Was the pension calculator helpful?

Kaffee ausgeben ☕

Close your pension gap with an ETF savings plan

ETF Savings Plan Calculator →

Guide: understanding the German state pension

Pension points, retiring at 63, deductions and the pension gap

Calculating Your German State Pension: What You Will Really ReceiveFeatured

Calculating Your German State Pension: What You Will Really Receive

The complete guide to the German pension formula: pension points, access factor, pension value — and what actually lands in your account after health insurance, care insurance and tax.

2026-09-0812 min read
Pension Points Simply Explained

Pension Points Simply Explained

One pension point equals one year at the average wage. How points are earned, what they are worth in 2026 and why the contribution ceiling caps them.

2026-09-088 min read
Retiring at 63: What the Early Exit Costs

Retiring at 63: What the Early Exit Costs

35 or 45 contribution years — that decides whether an early start costs a 14.4% deduction or is deduction-free. With worked examples in euros.

2026-09-089 min read
Deductions and Bonuses: 0.3% per Month, and What That Means

Deductions and Bonuses: 0.3% per Month, and What That Means

The access factor under § 77 SGB VI in figures: why the deduction is permanent, how the 0.5% bonus works and from when waiting pays off.

2026-09-088 min read
Calculating and Closing Your Pension Gap

Calculating and Closing Your Pension Gap

For most people a four-figure gap opens between the final net salary and the net pension. How to quantify it realistically and work out what closing it costs.

2026-09-0810 min read

You might also find useful

Active Pension Calculator

Calculate the 2026 Active Pension: up to €2,000 wage tax-free, net comparison, tax savings

Calculate now →

Early-Start Pension Calculator

Calculate the planned Early-Start Pension: what €10 a month grows into by retirement

Calculate now →

ETF Savings Plan Calculator

Simulate ETF savings plans: compound interest, scenarios, withdrawal planning

Calculate now →

Frequently Asked Questions

The pension formula is: sum of pension points × access factor × pension type factor × current pension value. The points reflect your income relative to the average wage of all insured people, the access factor accounts for an earlier or later start, the pension type factor is 1.0 for an old-age pension, and the current pension value has been €42.52 per point since 1 July 2026. Someone with 40 pension points retiring at the standard age therefore receives roughly €1,700 gross per month.

One pension point corresponds to a calendar year in which you earned exactly the average wage of all insured people — provisionally €51,944 in 2026. Earn half of that and you get 0.5 points; earn double and you get 2.0 points. At the top the contribution ceiling of €101,400 caps the annual gain at 1.9521 points. Each point currently raises the monthly gross pension by €42.52.

For every month you draw your pension before your standard retirement age, the access factor falls by 0.003 — a deduction of 0.3 percent per month or 3.6 percent per year. Starting at 63 with a standard age of 67 means 48 months × 0.3 percent = 14.4 percent. On a gross pension of €1,600 that is around €230 less per month. The deduction is permanent and later also reduces any survivor's pension.

Two qualifying periods matter. With 35 qualifying years you can draw the pension for long-term insured from 63 — but with the full deduction up to the standard retirement age. With 45 qualifying years the pension for especially long-term insured applies: for everyone born in 1964 or later it is deduction-free at 65, two years before the standard age of 67. Qualifying periods include not only employment but also child-raising and care periods.

If you draw your pension after the standard retirement age you receive a bonus of 0.5 percent for each month of deferral, i.e. 6 percent per year. If you also keep working you accumulate additional pension points at the same time — the two effects add up. Working one year longer can therefore raise the pension by 8 to 9 percent. Purely arithmetically it takes around 15 to 17 years for the bonus to offset the pension payments forgone; for people in good health who enjoy their work it pays off over the long run.

Only the taxable share is subject to tax, and that share depends on the year your pension starts. For a start in 2026 it is 84 percent, rising by 0.5 percentage points per cohort — 86 percent in 2030, 91 percent in 2040, with full taxation only from 2058. The tax-free remainder is fixed in euros as your pension allowance and does not change later. From the taxable pension you also deduct your health and care insurance contributions as special expenses; only what is left meets the income tax tariff with its basic allowance of €12,348.

Compulsorily insured pensioners pay half the general health insurance rate of 7.3 percent plus half the supplementary rate; with an average supplementary rate of 2.9 percent in 2026 that comes to 8.75 percent. The pension insurance fund pays the other half. The care insurance contribution of 3.6 percent, however, is borne by pensioners alone; childless pensioners pay 4.2 percent, those with several children under 25 correspondingly less. On a gross pension of €1,600 that means about €198 for health and care insurance before any tax is due.

The calculator implements the pension formula, the access factor under § 77 SGB VI, the age limits under §§ 235 and 236b SGB VI and the taxation rules of § 22 EStG correctly, using the verified 2026 figures. The uncertainty lies not in the formula but in the assumptions: your current salary is projected forward in a straight line, and future pension increases and gaps in your insurance record are left out. The closer your retirement date and the more precisely you enter your pension points from the official statement, the more reliable the result. Only the information issued by the German pension insurance is binding.