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Pension Increase Calculator 2026

German statutory pensions rose by 4.24% on 1 July 2026. Calculate your new gross and net pension, the extra amount after health and care insurance, and whether the increase makes you liable to income tax.

100% freeNo data storedPension value €42.52 (2026)

2026 adjustment is final — 2027 is only a forecast

The current pension value rose on 1 July 2026 from €40.79 to €42.52 (+4.24%), uniformly across Germany. The July 2027 increase will only be set by the federal government in spring 2027. The calculator uses the German pension insurance's forecast (spring 2026 estimate: +4.4%), which you can adjust.

Your pension

€
%

Deductions & tax

%
€
Your new net pension from 1 July 2026

€1,364.34

per month · +€49.59 more · Increase +4.24%

Gross until June 2026

€1,500.00

Gross from July 2026

€1,563.62

Extra gross

+€63.62

per month

Extra net

+€49.59

per month

Extra net per year

+€595.08

€763.44 gross

Does the increase make you liable to tax?

Yes — because of the increase your 2026 taxable income (around €12,527.31) exceeds the basic allowance of €12,348. You will probably have to file a tax return.

Taxable share

76.0%

Pension allowance

€3,446.26 per year

fixed

Tax on the pension

€6.17 per month

Forecast from 1 July 2027Forecast +4.4%

Non-binding forecast based on the assumed increase. The new pension value will only be decided in spring 2027.

Gross (forecast)

€1,632.42

Net (forecast)

€1,415.23

Net gain vs. today

+€50.89

Current pension value since 2016 and your pension

Bars: pension value per earnings point on 1 July (until 2022 West value, since 2023 uniform). Line: your gross pension, back-calculated. 2027 = forecast.

Before, after, forecast

* forecast, not decided

Monthly breakdown

until 6/2026from 7/2026from 7/2027*
Gross pension€1,500.00€1,563.62€1,632.42
− Health insurance (7.3% + ½ additional rate)€131.25€136.82€142.84
− Long-term care insurance€54.00€56.29€58.77
− Income tax (pro rata)€0.00€6.17€15.58
Net pension€1,314.75€1,364.34€1,415.23

Assumptions & notes

  • Compulsorily insured in pensioners' health insurance: 7.3% plus half of the additional rate; long-term care insurance (3.6%, childless 4.2%) is borne by pensioners alone. Changes to the additional rate apply to pensioners with a two-month delay.
  • Tax is calculated as annual tax using the 2026 tariff and spread over the months. No wage tax is withheld from pensions — it only becomes due via the tax return.
  • We back-calculate the pension allowance from your current pension and historical pension values to the year after your pension started (West values until 2022). Your exact amount is shown in your tax assessment.
  • All values are non-binding estimates. Only the adjustment notice from your pension insurance provider is binding.

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Guide: Pension Increase & Tax

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Frequently Asked Questions

On 1 July 2026 statutory pensions rose by 4.24%. The current pension value — the value of one earnings point — increased from €40.79 to €42.52. The rise applies uniformly across Germany to old-age, disability and survivors' pensions. Someone receiving €1,500 gross now gets around €1,563.62 gross.

That has not been decided yet. In its spring 2026 financial estimate the German pension insurance expects an adjustment of around 4.4% on 1 July 2027. The value will only be set in spring 2027, once the wage data for 2026 are available. For 2028 a much smaller rise is currently expected (around 2.3%). You can adjust the forecast yourself in the calculator.

Health and long-term care insurance are deducted from the gross increase — usually 12.35% in total (8.75% health at the average additional rate plus 3.6% care), 12.95% for childless people. If you pay tax, the full marginal rate also applies to the increase, because your pension allowance is fixed. That is why only about €40 to €56 net remains from a €63.62 gross rise, depending on the case.

It can happen. What matters is whether your taxable income exceeds the basic allowance of €12,348 (2026). Because the pension allowance is fixed as a euro amount in the year after your pension starts, every later increase is fully taxable. With a gross pension of about €1,500 and a 2018 start, 2026 income is just above the basic allowance. The calculator shows whether you are affected.

The increase applies from the July pension month. Those who retired before April 2004 receive their pension in advance at the start of the month — i.e. end of June with the July payment. Those who retired later receive it at the end of the month, i.e. end of July. The new amount is stated in the pension adjustment notice sent in summer.

Yes, all pensions from the statutory pension insurance rise by the same percentage. For survivors' pensions the allowance for income offsetting also rises (26.4 × pension value: from €1,076.86 to €1,122.53). If you have income of your own, less is offset — so the survivor's pension can rise by more than 4.24%.

The basis is the previous year's wage growth (§ 68 SGB VI). In addition, the 'holding line' applies: the pre-tax pension level may not fall below 48% — extended by the 2025 pension package up to the 2031 adjustment. The federal government sets the new pension value by ordinance, and the Bundesrat must approve. Your pension equals your earnings points × pension value × access and pension-type factor.

No. The pension adjustment happens automatically. Do check the adjustment notice, though: it shows the new health and care insurance amounts. If the increase pushes you above the basic allowance for the first time, plan for a tax return — the pension data are reported to the tax office automatically anyway.