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German Pension Calculator
A rough estimate of your statutory monthly gross pension (gesetzliche Rente), based on your earnings and how many pension points you collect over your career.
Your details
The standard statutory retirement age is currently 67.
The first year you started paying into the pension insurance.
If filled, we use this as your points so far and add estimated points for future years until retirement, instead of estimating your whole career from the career start year.
Your estimate
Total pension points Entgeltpunkte
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Gross monthly pension monatliche Bruttorente
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Net of insurance after 11.5% health + care (KVdR + Pflege)
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Net monthly pension after estimated income tax
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Assumes the pension is your only income and you file as single (no Splittingtarif). Other income, marital status, or church tax will change this. Simplified tax approximation, not the exact BMF formula. For planning direction, not filing.
Fill in your birth year, retirement age, salary and career start to see an estimate.
This is a rough, simplified estimate, not an official forecast.
It multiplies your accumulated pension points (Entgeltpunkte) by today's pension value
(aktueller Rentenwert, €) and assumes a constant salary (adjusted only by any growth rate you enter)
and a constant average wage. The net figures apply a flat 11.5% health and care deduction and a
simplified, piecewise-linear approximation of the 2026 income tax tariff (§32a EStG), not the exact BMF formula.
It does not account for future changes to the Rentenwert or average wage,
contribution gaps, part-time periods, child-rearing credits (Kindererziehungszeiten), disability, the pension
tax-free portion (Rentenfreibetrag), voluntary contributions, or deductions for retiring early. For real numbers,
use your official
Renteninformation
from Deutsche Rentenversicherung.