Benefits & social support

German pension calculator

You can immediately see how earnings points, pension type and possible deductions influence your future monthly pension.

Updated on Apr 21, 2026 Calculator, calculation path and examples on one page

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Related guide: Understanding pension, parental allowance, sickness benefit and unemployment benefit

Examples

Typical calculations

35 points today, ten years with one more point each.

Default history

Gross pension per month: €1,835.55

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24 months before the regular limit.

Two years earlier

Gross pension per month: €1,627.68

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Many years of insurance and high earnings.

High score

Gross pension per month: €2,365.82

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FAQ

Frequently asked questions

Where can I find my pay points?

In your pension information or in the insurance history of the German pension insurance.

How are pay points created?

A year of average earnings results in approximately one salary point. Higher or lower incomes change this value.

What do months before the standard retirement age mean?

For each month of early retirement, the pension is permanently reduced.

Is the rough net pension binding?

No. Taxes, health insurance and personal circumstances can change the payout.

Why can I change the pension value myself?

This makes it easier for you to include future adjustments or your own assumptions in the calculation.

How much is a pay point worth?

One earnings point corresponds to the current pension value as the monthly pension amount. Since the pension value increases annually, you can adjust it in the calculator.

How is the pension roughly estimated from the gross wage?

A year with roughly average earnings brings in around one earnings point. The sum of all points times the pension value results in the gross monthly pension.

Is it worth paying voluntarily for a higher pension?

Additional contributions or earnings points permanently increase the future pension. Whether it's worth it depends on the term, tax and personal situation.

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Sources and notes

Rule status and context

source
German pension insurance
Stand
Current pension value until June 30, 2026: 40.79 euros. According to the DRV, the current pension value will rise to 42.52 euros on July 1, 2026. The calculator remains a planning calculation without individual pension information.