Estimate your German statutory pension from your salary and contribution years using the official pension formula, including early or later retirement and health and care insurance.
How to use the Pension Calculator
Enter your gross monthly salary and how many years you will pay into the pension.
Set your planned retirement age. 67 is the regular age; earlier means deductions, later means a bonus.
Read your projected gross pension and the amount left after health and care insurance.
The pension calculator estimates your German statutory pension (gesetzliche Rente) from your earnings and contribution years using pension points (Entgeltpunkte). You earn roughly one point per year when your income equals the national average, and your total points are multiplied by the current pension value to give the gross monthly pension.
It applies the access factor (Zugangsfaktor), which lowers the pension by 0.3 percent for each month you retire early and raises it by 0.5 percent for each month you work past the standard age.
Example: 40 points at the 2026 pension value of about 42.52 EUR gives roughly 1,701 EUR gross per month, before tax and health insurance.
The figure is gross, before tax and health and care insurance are deducted, and it does not try to predict future pension increases or inflation over your remaining working years.
It is a simplified projection for orientation, not the official figure from the Deutsche Rentenversicherung. Your binding pension amount comes from their assessment of your full contribution record.
Frequently asked questions
Your total pension points are multiplied by the current pension value and by the access factor. Points reflect how your earnings compared with the national average over your career.
One point reflects a year of average earnings. Its monthly value is the current pension value, about 42.52 EUR in 2026, so 40 points give roughly 1,701 EUR before deductions.
It adjusts the pension for when you retire: minus 0.3 percent per month of early retirement and plus 0.5 percent per month of working beyond the standard age.
No. It uses the current pension value, so a projection far into the future understates the nominal amount, which rises as the pension value is adjusted each year.
It is the gross monthly pension. Tax and the pensioner's share of health and long-term care insurance are deducted later and are not included here.
It is a simplified projection for orientation. Your official figure from the Deutsche Rentenversicherung accounts for your full insurance record and special periods.
This tool is for general information only and is not financial, tax, or legal advice. Results are estimates that depend on your situation and current rules, so check the official source or a qualified professional before you act.
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