Pension kalkylator.
Plan for the future. An initial estimate of your statutory pension.
Assumption: Retirement at age 67.
Difference to your current Netto (estimated ~60% of Brutto):
Warning: Inflation not considered! Purchasing power will likely be lower.
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How is the pension calculated?
Den statutory pension is based on the principle of earnings points. För 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 Tyskland is a uniform 39.32 €. Din pension = sum of your points × pension value.
Den Pension Lucka
Den pension level is often significantly below your last net income. Den 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
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.