Pension Calculator Germany 2026
Calculate your likely statutory pension: pension points, early-retirement deductions & net pension – pension value €42.52 (as of 2026)
As of September 2026Basis: §§ 64, 77, 235 SGB VI (Social Code VI)Calculated in your browser – your inputs are not transmitted and are kept on this device only if you choose
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
€1,412.00Retiring 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.
RZ-26 · headon.pro
Your working life until retirement
26 more contribution years until your pension starts. Every year adds pension points.
- 2011Start of contributions (approx.)
- 2026Today: 13.9 pension points
- 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 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.
German statutory pension 2026: how the calculation works
The statutory pension is the most important pillar of retirement provision for most people in Germany. The amount of your pension depends on how many pension points you have accumulated over your working life.
The pension formula is: pension points × access factor × pension value. Since 01/07/2026, the current pension value has been a uniform €42.52 per point (as of 2026), applying equally to western and eastern Germany since full equalisation.
With our Pension Calculator 2026 you can work out a realistic forecast of your statutory pension in just a few steps – including deductions for early retirement and your likely net pension after deductions.
How you accumulate pension points
- Employment
- For each year at average earnings you receive 1 pension point. Higher earnings give proportionally more.
- Raising children
- For children born from 1992: 3 years of child-raising time = 3 pension points. For children born before 1992: 2.5 points.
- Caring for relatives
- Non-professional care can earn pension points – depending on the level of care and the amount of time involved.
- Unemployment
- While receiving unemployment benefit I (ALG I), reduced contributions are paid, resulting in proportional pension points.
Example calculation: how your pension is calculated
Factors that influence your pension
- 1Contribution yearsThe more years you pay into the pension insurance, the higher your pension.
- 2Income levelHigher income = more pension points per year (up to the contribution ceiling).
- 3Retirement ageEarlier retirement = permanent deductions (0.3%/month). Later retirement = increments (0.5%/month).
- 4Pension value developmentThe pension value is adjusted annually and follows wage growth.
- Pension points accumulated
- 40.00
- Access factor (standard retirement age)
- × 1.000
- Current pension value
- × €42.52
- Monthly gross pension
- €1,700.80
- Deductions (health + long-term care insurance)
- - €210.05
- Monthly net pension
- €1,490.75
Early retirement: understanding the deductions
Anyone retiring before the standard retirement age must expect permanent deductions. The deduction is 0.3% per month before the standard age – that is 3.6% per year.
With a maximum of 4 years of early retirement, that is up to 14.4% less pension. This reduction applies for the entire duration of the pension and is never compensated later.
Ways to retire early without deductions
- 45 contribution years
- With 45 years of insurance contributions, you can retire 2 years before the standard age without deductions.
- Severe disability
- With a degree of disability (GdB) of 50 or more, earlier retirement with reduced deductions is possible.
- Pension compensation payments
- Voluntary special payments can partly or fully offset the deductions.
- Partial retirement
- A reduced transition into retirement with state support.
- Pension points accumulated
- 35.00
- Gross pension without deduction (35 × €42.52)
- €1,488.20
- Early retirement
- 36 months early
- Deduction (36 × 0.3%)
- - 10.8% (€160.73)
- Monthly gross pension with deduction
- €1,327.47
Frequently asked questions about the German statutory pension
Everything important about pension points, deductions and net pension
How is the German statutory pension calculated in 2026?
The statutory pension is calculated using the formula: pension points × access factor × current pension value. Since 01/07/2026, the pension value has been a uniform €42.52 per pension point (applies to both western and eastern Germany). Someone who has accumulated 40 pension points receives 40 × 1.0 × €42.52 = €1,700.80 gross pension per month.
What are pension points and how many do I get?
You receive pension points (earnings points) for every year you pay contributions to the statutory pension insurance. At average earnings (2026: €51,944/year) you get 1 pension point. Higher income gives proportionally more (capped at the contribution assessment ceiling 2026: €101,400/year, nationwide). Raising children (3 points per child born from 1992) and caring for relatives also earn pension points.
When can I retire – standard retirement age 2026?
For birth cohorts from 1964 onward, the standard retirement age is 67. Anyone with 45 years of insurance contributions may retire 2 years earlier (at 65) without deductions. The "pension at 63" only applies to particularly long-insured individuals with 45 contribution years and is staggered by birth year.
How high is the deduction for early retirement?
For every month before the standard retirement age, the pension is permanently reduced by 0.3%. Anyone retiring 4 years (48 months) early receives 14.4% less – for life. This reduction can be partly compensated through voluntary top-up payments to the German pension insurance (possible from age 50).
How much net pension will I receive in 2026?
Health insurance contributions (approx. 7.3% + fund-specific supplement) and long-term care insurance (currently 4.2% for those without children, 3.6% with children) are deducted from the gross pension – together roughly 12–13%. Income tax may also apply: the taxable share in 2026 is 84% (for retirement starting in 2026), with a basic tax-free allowance of €12,348. For a gross pension of €1,500, around €1,305–1,315 net remains.
How can I close my pension gap?
The pension gap is the difference between your net pension income and your desired standard of living. Typical ways to close it: occupational pension schemes (bAV) with an employer contribution, Riester pension (state allowances), Rürup pension (especially for the self-employed and higher earners), an ETF savings plan for long-term wealth building, or property as retirement provision. Use our pension gap calculator for a detailed analysis.
How many pension points do I need for a €1,500 monthly pension?
At a pension value of €42.52 (as of 2026) and an access factor of 1.0, you would need €1,500 ÷ €42.52 ≈ 35.28 pension points for a gross pension of €1,500. Since at average earnings you receive roughly 1 pension point per contribution year, that corresponds to about 35 years at an average salary – fewer years for higher income.