Pension estimator Germany

What will the German state pension actually pay you?

The simulator asks for a net monthly pension, and it is the hardest figure in the whole plan to guess. This works it out from the Entgeltpunkte on your Renteninformation, shows every step, and carries the result into a full plan.

From your Renteninformation

Your Entgeltpunkte are on it, under the points you have earned so far. Add what you still expect to earn to project a full working life.

EntgeltpunkteOne point is a year on the national average wage. Forty-five points is the reference working life the pension statistics quote. Which pensionOnly one of these can start early, and only one can start early without deductions. Example: with 45 years the deduction-free age is 65 for anyone born from 1964, not 63. Qualifying insurance yearsWartezeit, on your Renteninformation. Example: the three pensions above need 5, 35 and 45 years, and an ineligible choice is refused rather than reduced. Year of birthSets your standard retirement age, which is not 67 for everybody born before 1964. Age when the pension starts63 is the earliest for the long-insured. Every month before your standard age costs 0.3 percent, permanently.

Exactly when it starts

Month of birthThe deduction is monthly, so the month matters. Example: it decides whether a start age lands before or after your standard age. Months after that birthdayNought to eleven. Example: each month later past the standard age adds 0.5 percent, for life. Aktueller Rentenwert€Euro per point per month, set each 1 July. This page ships the value effective 2026-07-01, which makes the answer today's money.

Estimate the net as well

Estimate the net as wellThe net needs the three fields below. Example: without them the page shows the gross and says so, rather than printing a zero it did not calculate. Pension in your first full calendar year€The taxable share is fixed as a euro amount against that year, not as a percentage of every later payment. Example: a pension starting in July has a part year first, which is not the year that fixes it. Other taxable household income€Per year, zu versteuerndes Einkommen. Income tax starts above the basic allowance of €12,348 a year, and only the taxable share of the pension counts towards it. Example: the pension is taxed as the slice on top of this, so this figure decides the rate it actually meets. Assessed jointlyZusammenveranlagung applies the splitting tariff. Example: it usually lowers the incremental tax on the pension. Health insurance on the pension%Half the general rate plus half the Zusatzbeitrag; the Rentenversicherung pays the other half. Long-term care on the pension%Paid by you alone, with no share from anyone else. Childless from 23 pays 4.2 % instead. Childless for care insuranceThe surcharge applies from 23 and is not shared. Example: it replaces the rate above with 4.2 %.

Use a pension estimate in your long-term plan

Monthly net pension for planning, in today’s euros€Optional personal assumption. A Renteninformation usually shows gross amounts. Allow for health insurance, care insurance, tax and lost purchasing power before entering a net figure here. This entry changes only the simulator transfer.

Estimated monthly pension, before deductions

€1,701 €1,701 gross, at your standard retirement age.

Only the gross pension is shown. Tick the net estimate and enter the pension from your first full calendar year to see health, care and the incremental tax.

Taxable share97 %fixed for life by the year it starts: 2052

Your standard retirement age67from your year of birth

This is an estimate from a published formula. Your Renteninformation is the authoritative document, and only the Deutsche Rentenversicherung knows your actual account.

To continue, calculate a supported net estimate or enter your own net planning assumption above.

What this answers

What the state pension contributes each month

Entgeltpunkte times the Rentenwert, adjusted for when you start, then less what health, care and tax take. Every step is on the page.

What it does not answer

What your account actually holds

Credits for children, education, disability and periods abroad all change the points, and none of them can be guessed from here. The Renteninformation has your real figure.

Use the result

Carry the net figure into a full plan

The simulator runs the pension alongside a portfolio, so you can see the years before it starts and what the portfolio has to cover on its own.