Pension Calculator 2026

Automatically translated from German. · Read original

The 2026 Pension Calculator estimates your state pension based on your salary, the number of years you have paid contributions and your planned retirement date. You will see your gross and net pension amounts, your pension points and any possible reductions.

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 state pension is calculated

In simple terms, the pension formula is: earnings-related points × access factor × current pension value.

Earnings points: Anyone who earns exactly the average earnings for one year receives one point. In 2026, the provisional average earnings are €51,944 per year.
Pension value: Since 1 July 2026, one point has been worth exactly €42.52 in monthly pension (previously €40.79).
Early retirement factor: Anyone who retires early receives a 0.3 per cent reduction per month (up to a maximum of 14.4 per cent). Anyone who retires later receives a 0.5 per cent increase per month.

When can I retire?

For everyone born in or after 1964, the standard retirement age is 67. For those born between 1959 and 1963, it rises gradually from 66 years and 2 months to 66 years and 10 months. With 35 years of insurance contributions, it is possible to start drawing a pension earlier, from the age of 63 – subject to reductions.

What is deducted from the pension?

Health insurance: 7.3% plus half of the supplementary contribution
Long-term care insurance: the full contribution of 3.6 per cent (4.2 per cent for those without children)
Income tax: If you start drawing your pension in 2026, 84 per cent of your pension will be taxable. Whether you actually pay tax depends on your total income.

Frequently asked questions

How much pension will I receive on a gross salary of €3,000?

Anyone who earns a gross monthly income of €3,000 for 45 years will accumulate around 31 pension points. Based on current pension values, this amounts to a gross monthly pension of approximately €1,326.

Where can I find my actual pension points?

In the pension statement that the German Pension Insurance sends you every year from the age of 27. This also includes your personal pension forecast.

Why might my actual pension be higher?

The calculator uses current figures. In practice, wages and the pension value usually rise over the years. Periods spent bringing up children, studying or being unemployed are also not taken into account.