German Pension Calculator 2026

This German pension calculator estimates your statutory old-age pension from your salary, contribution years and planned retirement age. You see gross and net pension, your pension points and any reduction for retiring early.

Pension Calculator

Pension point €42.52 (since 1 July 2026) · today’s money

Estimated net pension per month–

Gross pension–

Health insurance–

Long-term care insurance–

Net pension (before tax)–

Pension points per year–

Total pension points–

Your standard retirement age–

Reduction / bonus–

Pension as % of gross–

Gap to 80 % of gross–

Assumes constant salary, continuous contributions and today’s values. Income tax not included. Your official forecast is in the annual statement from Deutsche Rentenversicherung.

How the German state pension is calculated

The simplified pension formula is: pension points × access factor × current pension value.

Pension points: earning exactly the average salary for one year gives one point. The provisional average for 2026 is €51,944 per year.
Pension value: since 1 July 2026, one point is worth €42.52 of monthly pension (previously €40.79).
Access factor: retiring early costs 0.3 % per month (max. 14.4 %); retiring later adds 0.5 % per month.

What is deducted from the pension?

Health insurance: 7.3 % plus half the additional rate
Long-term care: the full 3.6 % (4.2 % if childless)
Income tax: for pensions starting in 2026, 84 % of the pension is taxable – whether you actually pay tax depends on your total income.

Frequently asked questions

How much pension will I get with €3,000 gross?

Earning €3,000 gross per month for 45 years gives about 31 pension points – roughly €1,326 gross pension per month at today’s value.

Where can I see my real pension points?

In the annual pension statement (Renteninformation) that Deutsche Rentenversicherung sends from age 27.