Statutory pension before health and long-term care insurance.
My pension starts in . Other taxable income: € a year.
Year the pension starts
Other income such as a company pension, rent or investment income – it is added to the taxable part of your pension for the tax estimate.
Only for the outlook: the pension rises while the pension allowance stays a fixed amount.
Estimated tax on your pension
per year
€432.00
€432.00With a pension starting in 2026, 84% of your pension is taxable. Your pension allowance of €240.00 a month stays fixed for life. Estimated tax: €432.00 a year, about €36.00 a month.
The later your pension starts, the larger the taxable part. Drag the dot to your year.
The pension rises, the allowance stays the same – the taxable part grows.
What you can do
Tax-free up to a monthly pension of about €1,230
Applies to the chosen start year if the pension is your only income.
Pension from 2025: less tax per year−€17.00
One year earlier the taxable share is 83.5%.
The allowance is a fixed euro amount
The pension allowance is calculated once from the pension of your second full year of retirement and then remains a fixed euro amount (240 €/month) for life — even if your pension rises through future pension adjustments.
Pension increases are fully taxable
Regular pension increases therefore only increase the taxable share, without the allowance adjusting — the actually taxed share of your pension therefore keeps increasing over time.
Flat-rate expense allowance
From the taxable share, the income-related expenses allowance of 102 €/year is deducted without individual proof (§ 9a sentence 1 no. 3 German Income Tax Act).
Simplified estimate
Simplified calculation: without church tax and without health/long-term care insurance contributions as special expenses. The actual tax burden is typically lower for statutorily insured individuals due to deductible pension expenses.
How much pension will you get?
Pension Tax Calculator by Rechnerzentrale(opens in a new tab)2026 values