German Pension Calculator 2026
Estimate your expected German statutory pension. The calculator determines your earnings points (Entgeltpunkte), the access factor (Zugangsfaktor) and shows the pension gap compared to your current income.
Your details
Your current gross salary
Number of years you pay into the German statutory pension insurance
How the German statutory pension is calculated
The German statutory pension is calculated with a fixed formula:
- • Earnings points (Entgeltpunkte, EP): the ratio of your annual salary to the national average earnings. If you earn exactly the average, you receive 1.0 EP per year.
- • Access factor (Zugangsfaktor, ZF): 1.0 when retiring at 67. Per month of early retirement: −0.3%. Per month of later retirement: +0.5%.
- • Current pension value (aktueller Rentenwert, aRW): the value of one earnings point in euros. Since 01.07.2026: 42.52 €.
- • Pension type factor (Rentenartfaktor): 1.0 for the regular old-age pension.
Note: This is a simplified estimate. Your actual pension may differ, as salary changes, pension adjustments and individual insurance histories are not taken into account. Consult your pension statement from the German pension insurance (Deutsche Rentenversicherung).
Frequently asked questions about the German statutory pension
The statutory pension follows the pension formula: earnings points × access factor × current pension value × pension type factor. For the regular old-age pension the pension type factor is 1.0. The more earnings points you collect and the higher the current pension value, the higher your pension will be.
Earnings points (Entgeltpunkte) reflect your income relative to the national average earnings. If you earn exactly the average (2026: about 45,358 € per year), you receive 1.0 earnings points per year. A higher salary earns correspondingly more points, but only up to the contribution assessment ceiling (Beitragsbemessungsgrenze, 2026: 8,450 €/month).
The standard retirement age is 67. For every month you retire earlier, your pension is reduced by 0.3%. Retiring at 63 means 4 × 12 × 0.3% = 14.4% deduction. This deduction applies permanently for the entire time you draw your pension. Conversely, retiring later earns you a supplement of 0.5% per month.
The pension gap (Rentenlücke) is the difference between the income you will need in retirement and the statutory pension. Experts recommend using around 65–80% of your last net income as a guideline. The gap can be closed through occupational pension schemes (bAV), Riester pensions, Rürup pensions or private investments.
The basic pension supplement (Grundrente) is an addition to the statutory pension for insured persons with at least 33 years of qualifying periods (mandatory contributions, child-raising, caregiving). It is aimed at low earners who paid in for a long time but earned little. The full supplement applies from 35 contribution years. An income check is carried out automatically by the pension insurance.