Germany Pension Calculator 2026

Germany's state pension (gesetzliche Rentenversicherung) is based on a pension points system. Each year, you earn pension points based on your income relative to the national average (Durchschnittsentgelt, €45,358 in 2025). Earning the average gives you 1.0 point per year.

Your monthly pension is calculated as: total points × access factor × pension type factor × current pension value (Rentenwert, €40.17/month in 2025). For a standard old-age pension claimed at the normal retirement age, the access factor and type factor are both 1.0.

The standard retirement age is 67 (for those born 1964 or later). You can claim early from age 63 with a 0.3% reduction per month, or defer beyond 67 for a 0.5% increase per month.