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Retirement Age Calculator: When Can You Retire?

Enter your date of birth and your insurance years. The calculator shows the earliest start date of each German old-age pension to the month, the deduction in percent and euros, and when you can retire without any deduction.

100% freeNo data storedBased on SGB VI, as of September 2026

Current law — reform plans are not law yet

The calculator uses the age limits currently set out in Book VI of the German Social Code. On 23 June 2026 the pension commission recommended abolishing the pension after 45 years, raising the earliest pension age from 63 to 64 and linking the statutory retirement age to life expectancy from 2031. There is no draft bill yet (as of 24 Sep 2026).

Your details

years
years

Pension & deferral

€
mo.
Your earliest pension start

1 June 2028

at 63 years · as Pension for long-term insured persons · 14.4% deduction

Without deduction from

1 June 2032

Standard old-age pension

Standard old-age pension from

1 June 2032

Statutory retirement age: 67 years

All old-age pensions at a glance

Standard old-age pension

5-year qualifying period, § 35 / § 235 SGB VI

Requirements met

Earliest

06/2032

67 years

Deduction

0.0%

No deduction

06/2032

67 years

Pension at earliest

€1,600.00

Pension for long-term insured persons

35-year qualifying period, from 63 with deduction, § 36 / § 236 SGB VI

Requirements met

Earliest

06/2028

63 years

Deduction

−14.4%

48 months earlier

No deduction

06/2032

67 years

Pension at earliest

€1,369.60

−€230.40

Pension for very long-term insured persons

45-year qualifying period, never a deduction, cannot be brought forward, § 38 / § 236b SGB VI

45-year qualifying period not met

Earliest

06/2030

65 years

Deduction

0.0%

No deduction

06/2030

65 years

Pension at earliest

€1,600.00

Pension for severely disabled persons

Degree of disability 50+ and 35 years, up to 3 years earlier, § 37 / § 236a SGB VI

only with severe disability (degree 50+)

Earliest

06/2027

62 years

Deduction

−10.8%

36 months earlier

No deduction

06/2030

65 years

Pension at earliest

€1,427.20

−€172.80

What the deduction costs

For every month you retire before the deduction-free age, your pension drops by 0.3%. The deduction applies for life, including to a later survivor's pension.

months earlier

48

Deduction

−14.4%

Less pension

−€230.40

−€2,764.80 per year

Retiring later: bonus

If you keep working past the statutory age and do not draw your pension yet, it rises by 0.5% for every month, permanently. Since 2026 wages up to €2,000 a month are also tax-free (active pension).

Set a deferral above to see the bonus.

Your timeline: which pension from when

Bars show from which age each pension type is possible. Orange: with deduction, dark: without deduction. Grey: requirements not met.

with deductionno deductionnot metAge 60–70

Your pension by starting age

Start in the month after each birthday. Negative values are deductions, positive values bonuses. The pension amount also changes with more or fewer contribution years.

at 63

€1,369.60

at 64

€1,427.20

at 65

€1,484.80

at 66

€1,542.40

at 67

€1,600.00

at 68

€1,696.00

at 69

€1,792.00

at 70

€1,888.00

Planned changes (not yet decided)

Under the pension commission's recommendations of 23 June 2026, the deduction-free pension after 45 years would be abolished and the pension for long-term insured persons would start at 64 at the earliest. The statutory age is to rise with life expectancy from 2031, to 67.5 in 2041 on current projections. People born in 1965 or later would probably be affected. How a law would handle transitions is open.

Unlimited additional earnings

Since 1 January 2023 you can earn any amount alongside any old-age pension, even before the statutory age. Your pension is not reduced. You keep paying contributions on your wages, until the statutory age also to the pension insurance, which raises your pension later.

Assumptions & notes

  • Enter your insurance years as they will stand at your desired pension start. The 45 years include compulsory contributions from work, child-raising until the child's 10th birthday, care work and unemployment benefit I. Unemployment in the last 2 years before retirement usually does not count.
  • The deduction in euros refers to the pension you entered at statutory age. If you stop working earlier, you also collect fewer earnings points, so the pension will be somewhat lower still.
  • Under § 99 SGB VI the pension starts in the month at whose beginning all requirements are met. Apply no later than three calendar months after that month, otherwise the pension only starts in the month you apply.
  • Special rules (protection for partial retirement, miners, pensions for women and after unemployment for those born before 1952) are not covered. Only the information from your pension insurance provider is binding.

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Frequently Asked Questions

It depends on your year of birth and your insurance years. You retire without a deduction at the statutory age: 67 for those born in 1964 or later, between 66 years 2 months and 66 years 10 months for those born 1959 to 1963. With 35 insurance years a pension from 63 with a deduction is possible, with 45 years from 65 without a deduction (born 1964 or later). The pension starts on the 1st of the month after your birthday.

Yes, but usually only with a deduction. With 35 insurance years you can still retire from 63, with a 14.4% deduction if born in 1964 or later. The deduction-free pension after 45 years was available at 63 only to those born up to 1952. For those born in 1964 or later the limit is 65. In 2026 the pension commission proposed raising the earliest age to 64. That has not been decided.

0.3% for every month before the deduction-free age (§ 77 SGB VI), i.e. 3.6% per year. For the pension for long-term insured persons from 63, this is at most 48 months and 14.4% for those born in 1964 or later. For the pension for severely disabled persons, at most 36 months and 10.8%. The deduction applies for life. With a €1,500 pension, a 14.4% deduction costs €216 a month.

At 63 for those born before 1953; after that the limit rises by 2 months per year of birth: 64 years 4 months for 1960, 64 years 10 months for 1963 and 65 for 1964 and later (§ 236b and § 38 SGB VI). This pension cannot be brought forward. If you have 45 years and want to go earlier, you must take the pension for long-term insured persons, with the full deduction up to the statutory age.

On the 1st of the month after you reach the age limit (§ 99 SGB VI). Example: born 15 March 1964, turns 67 on 15 March 2031, pension starts 1 April 2031. Special case: if you were born on the 1st of a month, you legally complete the year on the last day of the previous month. Born 1 April 1964 therefore means a pension start on 1 April 2031, one month earlier than if born on 2 April.

With a degree of disability of at least 50 at the pension start and 35 insurance years, those born in 1964 or later can retire at 65 without a deduction or from 62 with up to 10.8% deduction (§ 37 SGB VI). For those born 1952 to 1963 the limits rise gradually, e.g. for 1960: 64 years 4 months without deduction or from 61 years 4 months with deduction (§ 236a SGB VI).

Yes. Since 1 January 2023 there is no earnings limit for old-age pensions, even before the statutory age. So you can draw the pension with a deduction at 63 and still keep working full time. Contributions from your wages raise your pension later. Note: limits still apply to disability pensions.

For every month you defer your pension past the statutory age, it rises by 0.5%, i.e. 6% a year, permanently. On top come the earnings points from continued work. Since 2026, wages up to €2,000 a month are also tax-free if you keep working past the statutory age (active pension). Whether it pays off mainly depends on your life expectancy.