Benefits

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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Calculator

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Calculation path

Step by step

  1. Add pay points

    Formula: Previous points + future points

    Result: 45.00 points

  2. Calculate deduction

    Formula: Months × 0.3 percent, capped

    Result: 0.00%

  3. Gross pension per month

    Formula: Pay points × pension value × pension type factor × (1 - deduction)

    Result: €1,835.55

  4. Rough net pension

    Formula: Gross pension - estimated contributions for health and nursing care insurance

    Result: €1,633.64

Instructions

How to use this calculator correctly

Inputs

  • Transfer the previous salary points from your pension information.
  • Add how many points could still be added per year until the start of retirement.

Read the result

  • The gross pension shows the calculated entitlement before deductions.
  • The rough net pension is only a simplified guide.

Boundaries

  • The invoice does not take into account individual surcharges, allocation times or tax special features.

Related guide: Classify pensions, parental benefits, sickness benefits and unemployment benefits in an understandable way

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.

Related calculators

Continue seamlessly

Gross-Net Calculator

Convert monthly or annual gross into expected net and deductions for Germany.

Salary calculator

Monthly, annual and hourly perspective for your salary including rough employer costs.

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.