Pension calculator for Germany
Estimate your state pension in Germany: gross and net amount, retirement age and how much to save to close the gap.
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Popular questions
How much will my pension be in Germany?
Enter your age, your contribution years and your salary in the calculator above. For example, a 40 year old earning 51,944 EUR per year who keeps working until 67 can expect about 1,473 EUR net per month in today's money.
At what age can I retire in Germany?
For someone aged 40 today the statutory retirement age is 67. Retiring earlier usually reduces the pension, and working longer increases it.
How is the state pension calculated in Germany?
Regular retirement age is 67 for people born in 1964 or later. Early retirement from 63 with 35 years costs 0.3% per month. Points per year = your gross salary / 51,944 EUR (average salary 2026), up to the contribution ceiling of 101,400 EUR. Monthly gross pension = points x 42.52 EUR (aktueller Rentenwert from 1 July 2026). Pensioners pay 8.75% health and 3.6% or 4.2% care insurance, and tax on a taxable share that rises from 84% in 2026.
How much should I save for retirement in Germany?
With a salary of 51,944 EUR per year, the estimated pension covers about 41.3% of your gross salary. To reach 70% you would need to save about 455 EUR per month, assuming a 3% real return.
How the pension is calculated in Germany
The German statutory pension works with pension points. Earning exactly the average salary for a year gives one point, and each point is worth 42.52 EUR of monthly pension from July 2026. Health and long-term care insurance and, for most people, some income tax come off the gross pension.
- Regular retirement age is 67 for people born in 1964 or later. Early retirement from 63 with 35 years costs 0.3% per month.
- Points per year = your gross salary / 51,944 EUR (average salary 2026), up to the contribution ceiling of 101,400 EUR.
- Monthly gross pension = points x 42.52 EUR (aktueller Rentenwert from 1 July 2026).
- Pensioners pay 8.75% health and 3.6% or 4.2% care insurance, and tax on a taxable share that rises from 84% in 2026.
Examples for 2026
Person aged 40 with 15 years of contributions, retiring at the statutory age, amounts per month in today's money.
| Gross salary | Gross pension | Net pension | Share of salary |
|---|---|---|---|
| 36,000 EUR | 1,238 EUR | 1,083 EUR | 41.3% |
| 51,944 EUR | 1,786 EUR | 1,473 EUR | 41.3% |
| 80,000 EUR | 2,750 EUR | 2,107 EUR | 41.3% |
Minimum pension and retirement age
Germany has no minimum pension. People with a very low income in old age can claim basic income support (Grundsicherung). 45 points, the so-called standard pension, are worth 1,913.40 EUR gross per month.
Frequently asked questions
What is the minimum pension in Germany?
Germany has no minimum pension. People with a very low income in old age can claim basic income support (Grundsicherung). 45 points, the so-called standard pension, are worth 1,913.40 EUR gross per month.
What does the calculator not include?
Child-raising credits, the Grundrente supplement, disability pensions, church tax, private health insurance and company pensions are not included.
Is this an official pension calculation?
No. It is an informational estimate based on 2026 rules published by the official sources listed on this page. For your exact entitlement, check your personal pension statement or ask the pension authority.
Sources and disclaimer
These results are an informational estimate in today's money. We use the 2026 rules and amounts published by the institutions below and check them when the rules change. Real pensions depend on your full insurance record. Child-raising credits, the Grundrente supplement, disability pensions, church tax, private health insurance and company pensions are not included.