Pension Calculator.
Plan for the future. An initial estimate of your statutory pension.
Assumption: Retirement at age 67.
Difference to your current Net (estimated ~60% of Gross):
Warning: Inflation not considered! Purchasing power will likely be lower.
How is the pension calculated?
The statutory pension is based on the principle of earnings points. For each year you pay contributions, you collect points.
Earnings Points (EP)
If you earn exactly as much as the average of all insured persons (approx. 48.000 € € in the year 2026), you receive 1.0 earnings points. If you earn more or less, you receive proportionately points.
Pension Value
Each collected point has a certain value. Currently (since July 2024), the pension value throughout Germany is a uniform 39.32 €. Your pension = sum of your points × pension value.
The Pension Gap
The pension level is often significantly below your last net income. The difference is called the pension gap. It is important to close this gap early through private or occupational pension provision.
Frequently Asked Questions about the German State Pension
How is my pension calculated in Germany?▲
How many pension points do I need for a good pension?▲
When can I retire in Germany?▲
What is the pension gap (Rentenlücke)?▲
Is my pension taxable in Germany?▲
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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.