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 Germany's state pension is calculated in points, not currency (Entgeltpunkte). Earning the average national salary in a year = 1 point. Your total points times the current point value determines your pension.
–
Gross monthly pension Your total pension points times the current pension point value (Rentenwert): the euro value of one point, set by the government and updated every July 1st.–
Net of insurance after 11.5% health Statutory health insurance contribution deducted from pension income in retirement (KVdR). and care Mandatory long-term care insurance contribution (Pflegeversicherung), deducted alongside health insurance.–
Net monthly pension after estimated income tax
–
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.
What if I leave Germany?Tap to calculateexplore›
If you move away before retiring, your contributions stop and your collected pension points freeze. If you're vested, they still pay out at retirement in today's euros.
Used to discount the future value to today's purchasing power.
Fill in the main calculator above, then enter the year you plan to leave.
Not vested yet
German statutory pension normally requires at least 5 years of contributions
(the Wartezeit) before it pays out anything. Below that, you may be able to claim a
contribution refund (Beitragserstattung), but note the rules:
You must wait 24 months after your last mandatory contribution.
You must have left Germany (and the EU/agreement area for full refunds).
You must not be eligible for voluntary insurance in the German system.
A refund covers only your own employee contribution share, not the employer's half.
Germany and India have a social security agreement (since 2017) that can total your
German and Indian contribution years toward the 5-year threshold, which may affect whether a refund
applies at all. Confirm your exact case directly with
Deutsche Rentenversicherung.
This is informational only, no refund amount is estimated here.
Frozen pension points Germany's state pension is calculated in points, not currency (Entgeltpunkte). Earning the average national salary in a year = 1 point. Your total points times the current point value determines your pension.at leave year
–
Monthly gross pension at retirement frozen, in today's euros
–
Converted using the currency selected in the header. Assumes today's Rentenwert stays flat in EUR terms until retirement; in reality it typically rises. Inflation is a flat constant assumption, not a forecast. The exchange rate will drift over decades; shown for direction, not prediction.
Add a private pensionTap to calculateexplore›
See how regular private contributions (for example an ETF savings plan, Riester or Rürup) could top up your state pension.
–
Taken from the main calculator (retirement year minus this year).
Fill in the main calculator above, then enter a monthly contribution.
Lump sum at retirement future value of your contributions–
Monthly payout via the 4% rule–
Combined monthly pension state pension + private payout
Full career + private pension net state pension
–
If you leave Germany + private pension frozen gross state pension
–
The full-career figure adds the private payout to your net state pension, contributing monthly all the way to retirement. The leave-Germany figure assumes your private contributions stop at the leave year (the balance then keeps compounding with no further contributions until retirement) and adds the smaller resulting payout to the frozen gross pension, so the two are not directly comparable. The 4% rule is a rule of thumb; returns are not guaranteed and this ignores fees, taxes on gains, and inflation.