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Pension calculator Germany — how much will you get?

Your pension in Germany from all pillars, compared with your salary — and how much to save each month to reach your target.

Rules 2026 · updated 11 November 2026

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Annual gross incl. 13th/14th salary and holiday pay. Net salary for this gross →

Date of birth

age 40 in 2026

Empty = statutory age (67 years). Earliest: 63 years.

70%
I have my pension statement

Figures from your official statements replace our estimates and make the result much more accurate. Leave empty what you don’t know.

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Other retirement savings

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Taxes in retirement

Only used for the net pension. The defaults are the ones of the calculation; change them if you know your situation.

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Assumptions

Defaults follow the official rules and cautious market assumptions. Change them to test scenarios.

Show amounts in

Today’s prices = purchasing power today, the clearest comparison. Today’s wages compares with today’s salaries; money of 2053 is the nominal amount you would actually receive.

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Empty = official projection (Rentenversicherungsbericht 2025: 46.3 % in 2039).

Your estimated pensionfrom age 67 years · 2053
Net pension per month
€2,216
after tax and contributions · in today’s prices
Gross pension per month
€2,789
before tax, all pillars
Replacement rate (gross)
42.6%
gross pension ÷ last gross salary · target 70%
Gap per month (gross)
€1,790
to reach 70% of last gross salary
State pension €2,789Gap to target €1,790Target €4,579

Purchasing power in today’s prices, including 1% real wage growth per year until 2053.

Please note
  • The 48 % pension level is guaranteed only until 2031. After that the assumed pension level below applies.

Breakdown by pillar (gross)

State pension
Statutory pension (Deutsche Rentenversicherung)estimate€2,788.94
Occupational pension
none–
Private savings
none–
Total 42.6%€2,788.94
Target: 70% of last gross€4,578.73
Gap€1,789.80

Taxes and contributions in retirement

Net 79.5%Taxes and contributions 20.5%
Gross pension€2,788.94
Contributions
Health insurance (KVdR): 7.3 % + half the additional rate8.75%€244.03
Long-term care insurance (paid in full by pensioners)4.2%€117.14
Taxes
Income tax€211.82
Total taxes and contributions 20.5%€572.99
Net pension€2,215.95

Monthly saving to close the gap

€905/ Month

from now until retirement (27 years), raised each year in line with your salary · 18.1% of your gross salary

Capital needed at retirementto pay out €1,790 a month until age 90€439,341

Where to put it — tax-advantaged first

ProductPer month
Company pension (salary conversion)Limit per year: €8,112Tax-free up to 8 % of the contribution ceiling, free of social contributions up to 4 %; the employer adds 15 % of the converted salary if it saves contributions€676
Altersvorsorgedepot (state-subsidised, from 2027)Limit per year: €1,800Allowance 50 % on the first 360 € and 25 % up to 1,800 € (max 540 €), plus up to 300 € per child; or special-expense deduction up to 1,800 € plus allowances; payouts taxable€150
Basic pension (Rürup)Limit per year: €19,666100 % deductible up to 30,826 € minus your statutory pension contributions (employee + employer); pension taxable€79
Assumptions used (14)
Target: pension as % of last gross salary70%
Real wage growth per year1%
Inflation per year2%
Real return on savings (before retirement)2%
Real return during retirement1%
Savings must last until age90
Entgeltpunkte at retirement51.98
Insurance years at retirement45 years
Access factor (early −0.3 % / late +0.5 % per month)1.0000
Pension level after 2031 (today 48 %)46.3%
Tax rules of 2026 applied to the pension in today’s money; tax brackets and allowances assumed to rise in step2026
Taxable share of the statutory pension (year of pension start)97.5%
Additional health-insurance rate of your fund (average 2026: 2.9 %)2.9%
Long-term care rate4.2%

Notes

  • All amounts are in today’s wage level: what the pension would be worth if it were paid today. The replacement rate does not depend on this choice.
  • The monthly saving is today’s amount; raise it each year in line with your salary.
  • For exact figures enter the Entgeltpunkte from your Rentenauskunft or the expected pension from your annual Renteninformation.
  • Gross pension: pensioners pay health and long-term care insurance (about 11–12 %) and income tax on the taxable share.
  • Riester contracts can no longer be sold after 31 Dec 2026; existing contracts continue. From 2027 the subsidised Altersvorsorgedepot replaces them.
  • Taxable share 97.5 % for a pension starting in 2053; the tax-free part is fixed in euros, so later pension increases are fully taxable (net shown for the first full year).
  • Assumes statutory health insurance as a pensioner (KVdR). Privately insured pensioners pay their own premium instead (the DRV adds a subsidy of 7.3 % + half the additional rate).
  • Care insurance with the 0.6 % surcharge for childless members, because no children were entered; with children the rate is 3.6 %.
  • Church tax (8 % in Bavaria and Baden-Württemberg, 9 % elsewhere) is not included unless you are a church member.
How it is calculated

Technical formulas (in English); amounts in today’s wage level.

  • Statutory pension (Deutsche Rentenversicherung)51.9791 EP × Zugangsfaktor 1.000 × 42.52 € × level 0.9646
Official sources (4) · 2026

How the German statutory pension works

The statutory pension (gesetzliche Rentenversicherung) is based on earnings points (Entgeltpunkte). Each year you earn your gross salary divided by the average earnings of all insured people (€51,944 in 2026, provisional); income above the contribution ceiling of €101,400 does not count. The monthly pension is the sum of your points × the access factor × the current pension value of €42.52 (from 1 July 2026).

The standard retirement age is 67 for everyone born in 1964 or later. With 35 insurance years you can retire from 63 with a reduction of 0.3 % per month (at most 14.4 %); with 45 years, people born from 1964 can retire at 65 without a reduction, and every month beyond the standard age adds 0.5 %. Child-raising periods add three earnings points per child born from 1992. The pension level is guaranteed at 48 % until 2031; for later pension starts the calculator follows the official projection of the Rentenversicherungsbericht 2025, which falls to 46.3 % in 2039.

To close the gap the calculator first fills the tax-advantaged options: deferred compensation into a company pension (tax-free up to €8,112 a year), the state-subsidised Altersvorsorgedepot from 2027 and the Rürup basic pension (deductible up to €30,826 minus your statutory pension contributions). Your annual Renteninformation states the points earned so far and makes the estimate exact.

The net pension is shown after income tax on the taxable share of the statutory pension, which depends on the year your pension starts, and after the pensioners’ health and long-term care contributions (KVdR).