Pension Tax Calculator.
How much net pension remains after taxes and social security? Calculate your payout amount.
Determines the taxation share (cohort principle).
Affects care insurance contribution.
Pension Taxation: How Much Net Remains?
Since 2005, pensions in Germany are gradually transitioning to full taxation. The taxable share depends on the year you retire: the later you retire, the higher the taxable portion. From 2058 onward, pensions will be 100% taxable.
Taxable Share by Cohort
The taxable share increases by 0.5% per year. For retirement in 2025, 83.5% of your pension is taxable. The remaining portion is your tax-free personal pension allowance, fixed for life.
Social Security on Pension
Pensioners pay the full health insurance contribution (currently about 8.15% including additional contribution) plus care insurance. Pension insurance and unemployment insurance no longer apply.
Do Pensioners Need to File a Tax Return?
If your taxable pension income exceeds the basic tax-free allowance (ca. 12.000 € in 2026), you are generally required to file a tax return. Many pensioners may owe taxes without realizing it.
More Helpful Calculators & Guides
Sources & References (2026)
All calculations are based on the official legal provisions for 2026. Despite careful research, no guarantee is given for correctness. This calculator does not replace professional tax advice.