Estimate your German statutory pension from your salary and contribution years using the official pension formula, including early or later retirement and health and care insurance.
How to use the Pension Calculator
Enter your gross monthly salary and how many years you will pay into the pension.
Set your planned retirement age. 67 is the regular age; earlier means deductions, later means a bonus.
Read your projected gross pension and the amount left after health and care insurance.
Frequently asked questions
Pension points × access factor × pension value. You earn one point for a year at the average income (about 50.493 €); higher or lower pay scales the points. Each point is currently worth 40,79 € per month.
It adjusts for when you retire. At the regular age of 67 it is 1.0. Retiring early cuts the pension by 0.3 % per month (up to 14.4 % at 63); retiring later adds 0.5 % per month.
The calculator shows the gross pension and the amount after health and care insurance. Income tax depends on your total income and personal situation, so it is not included here.
It assumes a steady salary relative to the average and today's pension value. Real pensions rise with future pension-value increases, which are not projected. Your annual Renteninformation from the Deutsche Rentenversicherung is the authoritative source.
The pension calculator projects your gesetzliche Rente with the official formula used by the Deutsche Rentenversicherung: it converts your salary into pension points (Entgeltpunkte), applies the access factor for your retirement age, and multiplies by the current pension value (Rentenwert).
You can adjust the pension value, add extra points from child-rearing, and include the health insurance top-up and childless care surcharge to see the amount after social contributions. It is a planning aid, not a binding pension notice.
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