Survivor’s Pension Calculator 2026 by Rechnerzentrale

Pension of the deceased per month

€

Gross per pension notice – or the disability pension from the last pension information

Your age

years

Large survivor's pension from age 46 and 6 months (death in 2026, Section 242a(5) SGB VI)

Year your spouse died

Sets the age limit: 46 years and 6 months in 2026, 47 years from 2029

You are raising a child under 18Your own child or a child of the deceased – then the large survivor's pension applies

Your own gross pay per month

€

Counts after a 40% flat deduction

Your own statutory pension per month

€

Gross; counts after a 14% flat deduction

Orphans and special cases0 children entitled to orphan's pension

Children with orphan's pension

Increase the allowance per child

You have reduced earning capacity

Old rules (60%)Married before 2002 and one partner born before 2 January 1962 – or death before 2002

Your own pension started before 2011Then 13% instead of 14% flat deduction

Large survivor's pension per month

first 3 months: €1,600.00

€880.00

After the first three months you receive 55% of the deceased's pension: €880.00 per month. Your income is below the allowance and is not counted.

First three monthsFull pension, no income test (Sections 67, 97 SGB VI): €1,600.00
Survivor's pension before income test55% of the deceased's pension: €880.00
Your countable incomeGross minus flat deduction under Section 18b SGB IV: €1,032.00
Allowance26.4 × current pension value (€42.52), + 5.6 × per orphan: €1,122.53
Counted40% of income above the allowance: − €0.00
Survivor's pension after income test: €880.00

Good to know

Amounts before health and care insurance
Health and long-term care contributions are still deducted from the survivor's pension; it is also partly taxable.
Simplified calculation
The calculator derives the survivor's pension from the deceased's pension. In case of early death, the pension insurance adds supplementary periods; the exact amount is in the pension notice.