Mothers' Pension Calculator Mothers' Pension III from 2027.

From 1 January 2027, the Mothers' Pension III (Mütterrente III) raises the child-raising period credited toward the pension for children born before 1992 from 2.5 to 3.0 pension points per child. This closes the last remaining gap between the credit for children born before and after 1992 — children born from 1992 onward have already received the full three years of child-raising credit for a long time.

The reform is part of the German government's 2025 pension package and takes effect automatically: neither existing pensioners nor future retirees need to submit an application — the German Pension Insurance (Deutsche Rentenversicherung) applies the increase on its own. Our calculator shows you, based on the number of your children born before 1992, how much your monthly and annual pension is expected to increase.

Since the introduction of the Mothers' Pension (Mütterrente) in 2014 and its extension in 2019 (Mothers' Pension II), there was a difference in how child-raising periods were credited toward the pension: children born from 1992 onward were always credited with three full years of child-raising time, while children born before that only received 2.5 years. This unequal treatment was repeatedly criticized in the political debate because it disadvantaged mothers (and, less often, fathers) of older children, who raised their children under different social conditions.

With the Mothers' Pension III as part of the 2025 pension package, this last gap is closed: from 1 January 2027, the same value of three full child-raising years (3.0 pension points) applies to all children — regardless of their year of birth. According to the German government, this mainly benefits millions of mothers (and, to a lesser extent, fathers) whose children were born before 1992. Implementation is automatic through the German Pension Insurance, without those affected having to take any action themselves.

Important for context: the legal basis is intended to take effect on 1 January 2027, but the actual technical and organizational payout of the higher amount is, according to current knowledge, expected only in the course of 2028 — applied retroactively from 1 January 2027. Our calculator therefore explicitly labels the resulting back payment as "expected", since the exact timing depends on the further legislative process and its implementation by the German Pension Insurance.