Current for 2026•As of: July 2026

Pension Calculator Germany 2026 calculate your statutory pension.

Calculate your likely statutory pension: pension points, early-retirement deductions & net pension – pension value €42.52 (as of 2026)

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Personal details

1950 (76 years) 2005 (21 years)

Income & contributions

€
0 €150,000 €
years
0 years26 years
%
0.0 %5.0 %

0% = your salary grows in line with the national average earnings (assumption used in the official DRV pension information, constant earning points per year). Only growth ABOVE the average increases your future earning points.

Retirement

years
63 years70 years

Statutory pension 2026

  • Pension value: €42.52 per pension point
  • Standard retirement age: staggered up to 67
  • Deduction: -0.3% per month before the standard retirement age
  • Increment: +0.5% per month after the standard retirement age

Likely monthly net pension

1,412.00 €

(Gross: 1,610.95 €)

Pension points

Points per year (current)0.92
Points accumulated so far13.86
Forecast (26 more years)37.89

Retirement start

Planned retirement startJanuary 2052
Standard retirement age67 years
Access factor1.000

Deductions from the gross pension

Health insurance-140.96 €
Long-term care insurance-57.99 €
Net pension1,412.00 €

Calculation based on:

  • Pension value 2026: €42.52 per pension point
  • Average earnings 2026: €51,944
  • Deduction: 0.3% per month before the standard retirement age
  • Increment: 0.5% per month after the standard retirement age

Important note

These calculations are for non-binding information only and do not replace professional tax advice. All information without guarantee. Learn more

Sources & calculation basis

Our calculations are based on the following official sources (as of: July 2026):

Related guides

Retirement Planning

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

Example: 40 years of employment at average salary

Example: 40 years of employment at average salary
ItemAmount
Pension points accumulated40.00
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

Factors that influence your pension

  1. Contribution years: The more years you pay into the pension insurance, the higher your pension.
  2. Income level: Higher income = more pension points per year (up to the contribution ceiling).
  3. Retirement age: Earlier retirement = permanent deductions (0.3%/month). Later retirement = increments (0.5%/month).
  4. Pension value development: The pension value is adjusted annually and follows wage growth.

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.

Example: 35 pension points, retirement 3 years before the standard retirement age

Example: 35 pension points, retirement 3 years before the standard retirement age
ItemAmount
Pension points accumulated35.00
Gross pension without deduction (35 × €42.52)€1,488.20
Early retirement36 months early
Deduction (36 × 0.3%)- 10.8% (€160.73)
Monthly gross pension with deduction€1,327.47

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.

Frequently asked questions about the German statutory pension

Everything important about pension points, deductions and net pension

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.

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.

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.

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).

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.

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.

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.

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