Every euro up to the contribution ceiling counts towards your pension.

I was born in (age 41), have paid in for years so far and want to retire at .

Your standard retirement age: 67 years. Retiring earlier means deductions, later means increments.

Pension points so far

More detailsSalary growth above average 0% · with children
%

0% = your salary grows like average earnings (assumption of the pension statement, same pension points every year). Only growth above average raises your future pension points.

Per child 36 months of child-raising time × 0.0833 = 2.9988 earnings points (Sections 56, 70 SGB VI) – for the parent the time is assigned to.

Currently 30 months; with the third stage of the mothers' pension (BGBl. 2025 I No. 362) 36 months from 2028, as a supplement of 0.5 points if the pension starts in 2027.

Estimated net pension

per month

€1,412.00

€1,412.00

Retiring at 67 years (from January 2052) you can expect €1,611 gross pension. After health and long-term care insurance, €1,412 a month remain.

Gross pension
€1,610.95
Health insurance
− €140.96
Long-term care insurance
− €57.99
Net pension
€1,412.00

Your working life until retirement

26 more contribution years until your pension starts. Every year adds pension points.

  1. 2011Start of contributions (approx.)
  2. 2026Today: 13.9 pension points
  3. 2052Pension at standard retirement age: 37.9 pension points

Pension points per year

Earning exactly the average wage gives 1.0 pension points a year. Income above the contribution ceiling does not count.

Pension points per year
0.92
Pension points so far
13.86
Pension points at retirement (26 more years)
37.89

What you can do

  • Retiring at 68: more net pension per month+€121.23

    At 66 it would be €84.03 less.

  • Income tax: about €102.58 a month

    Estimate if the pension is your only income; taxable share 97% for a pension starting in 2052, at today's tax rates. Go to the pension tax calculator

How this was calculated
Pension points per year = min(€48,000; €101,400) ÷ €51,944 = 0.92
Gross pension = 37.89 × €42.52 × 1.000 = €1,610.95
Health insurance = €1,610.95 × 8.75% = €140.96
Long-term care insurance = €1,610.95 × 3.6% = €57.99
Pension start
January 2052
Standard retirement age
67 years
Access factor
1.000
  • Pension value: €42.52 per pension point (from 1 July 2026)
  • Average earnings 2026: €51,944
  • Deduction: 0.3% per month before the standard retirement age (at most 14.4%)
  • Increment: 0.5% per month after the standard retirement age
  • Calculated in today's money; health and long-term care insurance at the pensioner's share, before tax.

Pension Calculator Germany 2026 by Rechnerzentrale(opens in a new tab)2026 values