Pension Calculator (German statutory pension)
Estimate your German statutory pension using the official formula, entirely in your browser without external tools.
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Legal notice
Current as of: 11.08.2026.
The results reflect the legal and fiscal state as of the date stated above. They are provided for general information and initial guidance only. They are not individual financial, tax or legal advice, and no guarantee is given as to their accuracy, completeness or suitability for your circumstances. In particular, the results are not a substitute for an official or judicial assessment. Please check the information independently and seek qualified advice where appropriate, as you are solely responsible for any decision made in reliance on the result.
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Pension calculator: estimate your German statutory pension realistically
How high will your German state pension be one day? Our pension calculator uses the official pension formula of the German statutory pension insurance (Deutsche Rentenversicherung). Based on your gross annual salary, your years of contributions so far and your planned retirement age, it estimates your monthly old-age pension. Alongside the number, the calculator also shows the standard retirement age for your birth year and expresses the pension in today's purchasing power. The result is an orientation, not a binding statement.
How the pension formula works
In Germany, the statutory pension follows a fixed formula: monthly pension = earnings points × access factor × current pension value × pension type factor. For an old-age pension the type factor is 1.0. Earnings points derive from your income relative to the average income of all insured persons. Earning an average income gives you one point per year, earning more gives more, up to the contribution assessment ceiling. The access factor accounts for retiring before or after the standard age. The current pension value determines how many euros one point is worth per month, currently 42.52 euros nationwide (as of 1 July 2026). This reference value changes every year, so check the current figure at an official source.
Standard retirement age and deductions
Retiring early usually means deductions: for every month before the standard retirement age, your pension drops permanently by 0.3 percent, up to 14.4 percent in total for an early old-age pension. Retiring later earns a bonus of 0.5 percent per month. The standard retirement age depends on your birth year and is 67 for cohorts born 1964 or later. The calculator sets it automatically from your birth year.
Sample calculation
A person born in 1990 currently earns 50,000 euros gross per year and has 10 years of contributions. That equals roughly 0.96 earnings points per year. With retirement at 67, uninterrupted contributions and an assumed pension value growth of 2 percent per year, the estimated monthly pension is just over 1,600 euros in today's purchasing power. Tip: in the calculator you can adjust all of these assumptions and see the new result immediately.
Frequently asked questions
How is the German statutory pension calculated?
Using the official pension formula: monthly pension = earnings points × access factor × current pension value. Earnings points derive from your income relative to the average income, the access factor accounts for an earlier or later retirement age.
What is the standard retirement age?
It is the age from which you can retire without deductions. It depends on your birth year and is 67 for cohorts born 1964 or later. The calculator sets your standard retirement age automatically from your birth year.
What are earnings points?
Earnings points measure how much you earn relative to the average of all insured persons. Earning an average income gives you one point per year. Higher salaries yield more points, up to the contribution assessment ceiling.
What happens if I retire early?
For every month before the standard retirement age, your pension is permanently reduced by 0.3 percent. The access factor in the calculator reflects this deduction. Note that retiring well before 63 is not possible without special rules.
What does the amount in today purchasing power mean?
It shows what your future pension would be worth today after inflation is taken into account. The nominal amount at retirement looks higher but may buy less after many years. Both values are displayed.
Is this a binding forecast?
No. It is a transparent estimate based on the official pension formula and current reference values. It assumes uninterrupted contributions and a constant ratio of your salary to the average income. For a binding statement, contact the Deutsche Rentenversicherung.
Are my data stored?
No. All calculations run 100 % locally in your browser. Your entries are neither sent to a server nor stored.
Read more about this tool
How the calculator estimates your pension
The tool starts from your current gross annual salary, your years of contributions so far and your planned retirement age. It assumes your income stays in the same relation to the average income until you retire and that you keep contributing without gaps. Your salary relative to the reference income yields the earnings points you collect per year, carried forward to the standard retirement age. The access factor reflects whether you retire earlier or later. Multiplied by the current pension value, this gives a gross monthly pension. The purchasing-power figure removes the assumed inflation so you can compare the amount with your income today.
The result is a transparent estimate. Your real account record and special rules such as child-raising credits, care periods or unemployment times are not included. For those, your personal pension statement from the pension insurance is the right source, because it is based on the entitlements you have actually accrued.
Background: how the German statutory pension works
The statutory pension scheme is a pay-as-you-go system: the contributions of current workers finance the pensions of current retirees. Employees and employers each pay 9.3 percent of gross salary, 18.6 percent in total. Contributions are only collected up to the contribution assessment ceiling, which stands at 8,450 euros per month in 2026. Income above that ceiling no longer raises your pension, so very high earners cannot collect unlimited earnings points per year, only as many as the ceiling allows.
For an old-age pension the general waiting period of five contribution years is usually enough. Apart from working years, child-raising periods and certain care periods can add earnings points. The three-pillar model adds occupational and private provision to the statutory pension, because the state pension usually does not replace your full previous income.
Is the calculation binding?
No. The calculator gives you an orientation based on current reference values, for example the current pension value of 42.52 euros (as of 1 July 2026). These figures change every year, and reforms can change the pension formula itself. Before you decide, check the current state with the Deutsche Rentenversicherung and, if needed, have a binding pension statement prepared. This tool is not advice and does not create any entitlement.
Does everything run locally?
Yes. You enter your data directly in your browser and all calculations run on your device. Nothing is sent to a server or stored, not even for analysis. Your information stays entirely with you, so you can safely try different scenarios and compare them.