Current for 2026·As of: August 2026

Civil Service Pension Calculator 2026 German Civil Servant Retirement Pay.

Calculate retirement pay (Ruhegehalt) under BeamtVG: pension rate, minimum pension and early-retirement deduction

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Service pay

€/month
2,000 €/month10,000 €/month

Base salary + family allowance (level 1) + pensionable allowances.

Service time

years
0 years50 years
years
0 years4 years

Pension rate under § 14 BeamtVG

For every pensionable year of service, the retirement pay increases by 1.79375%, capped at a maximum of 71.75% of the pensionable service pay. From 5 years of service onward, there is an entitlement to retirement pay.

Monthly retirement pay

2,797 €

62.78% rate

Calculation steps

1
Pensionable service time35 years
2
Service pay × 0.9901 (pension reserve)€4,455
3
Pension rate (1.79375% per year of service, max. 71.75%)62.78%
4
Retirement pay before early-retirement deduction€2,797
5
Office-dependent minimum pension (35%)€1,559
6
Monthly retirement pay€2,797

Important notes

  • • There is also an office-independent minimum pension (65% of the final step of pay grade A4 plus a fixed amount), which is not included here as it requires a pay-scale lookup per federal state/government. For a binding calculation, please contact your payroll office.
  • • The Civil Service Pensions Act (BeamtVG) applies directly to federal civil servants. State civil servants (Landesbeamte) are subject to the respective state law, which may deviate from these calculation bases.

What is the Ruhegehalt (retirement pay)?

The Ruhegehalt is the retirement provision for civil servants and judges under the Civil Service Pensions Act (BeamtVG). It is calculated from the pensionable service pay and the individual pension rate, which depends on the length of service.

Important note

These calculations are for non-binding information only and do not replace professional tax advice. All information without guarantee. Learn more

Sources & calculation basis

Our calculations are based on the following official sources (as of: August 2026):

Legal basis of this calculator

Last verified against the official source on July 12, 2026

    Ruhegehalt: Retirement Pay for German Civil Servants

    German civil servants (Beamte) and judges do not receive a statutory pension in retirement, but instead retirement pay (Ruhegehalt) under the Civil Service Pensions Act (Beamtenversorgungsgesetz, BeamtVG). The amount depends on the pensionable service pay and the individual pension rate, which increases with every year of service.

    For every pensionable year of service, the rate increases by 1.79375%, capped at a maximum of 71.75% of the pensionable service pay (§ 14 BeamtVG).

    Key Facts About the BeamtVG

    Pension rate
    1.79375% per year of service, maximum rate 71.75% (§ 14 (1) BeamtVG).
    Minimum service period
    5 years required for a pension entitlement (§ 4 (1) BeamtVG).
    Pension reserve deduction
    Service pay is multiplied by a factor of 0.9901 (§ 5 (1) BeamtVG).
    Minimum pension
    At least 35% of the pensionable service pay (§ 14 (4) BeamtVG).

    Example Calculation: €4,500 Service Pay, 35 Years of Service

    Retirement at the standard retirement age (no early-retirement deduction)

    Retirement at the standard retirement age (no early-retirement deduction)
    ItemAmount
    Pensionable service pay€4,500
    x 0.9901 (pension reserve)€4,455
    Pension rate (35 x 1.79375%)62.78%
    Retirement pay€2,797

    What Determines the Amount of the Retirement Pay?

    1. Pensionable years of service: Each additional year of service increases the rate by 1.79375% – up to the maximum rate of 71.75% (after around 40 years).
    2. Pensionable service pay: Base salary, family allowance level 1 and pensionable allowances form the basis of the calculation.
    3. Early retirement: Every year before the standard retirement age costs a permanent 3.6% early-retirement deduction.
    4. Minimum pension: Even with a short period of service, at least 35% of the service pay is paid as retirement pay.

    Early-Retirement Deduction (Versorgungsabschlag)

    Anyone who retires before the standard retirement age must accept a permanent deduction from the calculated retirement pay: 3.6% per year of early retirement (0.3% per month). For voluntary early retirement on request, the maximum deduction is 14.4%; for incapacity to work or severe disability, it is 10.8%. The deduction permanently reduces the retirement pay.

    Frequently Asked Questions About the Civil Service Pension Calculator

    Everything important about the pension rate, minimum pension and early-retirement deduction

    Retirement pay is calculated from the pensionable service pay (base salary + family allowance level 1 + pensionable allowances) multiplied by the pension rate. The rate increases by 1.79375% per pensionable year of service and is capped at a maximum of 71.75% (§ 14 BeamtVG). The maximum rate is reached after around 40 years of service.

    In principle, only after a minimum service period of 5 years (§ 4 (1) BeamtVG). An exception applies in the event of incapacity to work due to a recognized service accident – in this case, the entitlement exists regardless of the length of service.

    The office-dependent minimum pension guarantees at least 35% of the pensionable service pay (§ 14 (4) BeamtVG), even if the calculated pension rate would be lower due to a short period of service. There is also an office-independent minimum pension based on pay grade A4, which should be checked with the payroll office for a binding calculation.

    Anyone who retires before the standard retirement age (e.g. voluntarily or due to severe disability) must expect an early-retirement deduction of 3.6% per year. For voluntary early retirement on request, the maximum is 14.4%; for incapacity to work or severe disability, it is 10.8%. The deduction permanently reduces the retirement pay.

    Yes, since the transitional rules of the 2001 Pension Reform Act (Versorgungsänderungsgesetz) were completed (a gradual reduction from 75% to 71.75% in eight adjustment steps starting in 2003, § 69e BeamtVG), a uniform maximum rate of 71.75% of the pensionable service pay applies nationwide – regardless of how much longer service continues beyond that point.

    This includes the base salary, the family allowance at level 1, and other allowances designated as pensionable under pay law (§ 5 (1) BeamtVG). This total is multiplied by a factor of 0.9901 (pension reserve) before the pension rate is applied.

    Sources & calculation basis

    Our calculations are based on the following official sources (as of: August 2026):

    Legal basis of this calculator

    Last verified against the official source on July 12, 2026

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