Does the calculator work out my gesetzliche Rente?

No. Enter the amount from your Renteninformation, in today’s euros. It is added to the income from your other pensions.

What is the Regelaltersgrenze?

The age a full statutory pension starts without deductions: 67 for anyone born from 1964, and from 66 to 66 and 10 months for those born from 1958 to 1963.

Are Riester and Rürup included?

What you pay into them counts in your monthly payments. Their state allowances (Zulagen) and tax deductions are not modelled.

Is the income before tax?

Yes. The statutory pension is partly taxable: 84% of a pension starting in 2026, rising each year to 100% for pensions starting in 2058. Health and care contributions also apply.

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🇩🇪 Rente · bAV · private

Germany pension calculator

Your expected gesetzliche Rente plus your private and company pensions: see the yearly income, in today’s euros.

7-day free trial · Not financial advice

Your numbersDrag, click anywhere on a bar, or tap a number to type it

Your age35

Gesetzliche Rente (expected)

From your yearly Renteninformation, in today’s euros.

Private + company pension today

You pay in150 € / mo

Into private or company (bAV) pensions, including any employer top-up.

Stop paying in at67

Growth after fees6%

Inflation3%

Estimated income a year from 67

21.879 €Gesetzliche Rente 15.600 € + Private + company 6.279 €

Pension pots at 67156.965 €

Regelaltersgrenze67

Today’s money: growth 6% and inflation 3% a year by default (both editable). Pots are read as income at 4% a year. Gross, before tax. One person. An estimate, not advice. Rente from your Renteninformation; Riester / Rürup allowances not modelled.
Illustration, not financial advice. Investments can fall as well as rise.

Move any slider: the figure above updates as you drag.

21.879 € / yr

Estimated income from 67 · Illustration, not advice

How pensions work in Germany

Most employees pay into the gesetzliche Rentenversicherung, the statutory pension: 9.3% of gross pay up to 101.400 € a year, with the employer paying the same again. Many people add a company pension (betriebliche Altersversorgung, bAV) and private savings such as Riester or Rürup contracts or a fund.

The standard pension age, the Regelaltersgrenze, is 67 for anyone born from 1964 and between 66 and 66 and 10 months for those born from 1958 to 1963. Tax-favoured private pensions pay out from 62 at the earliest for contracts since 2012.

What the calculator assumes

The statutory pension depends on your whole contribution record, and your yearly Renteninformation from the Deutsche Rentenversicherung shows it. The calculator takes that figure from you rather than estimate it, and adds it from your Regelaltersgrenze. Early retirement with a reduced Rente is not modelled.

Your private and company pots grow at your growth figure less inflation, with your monthly payments until you stop, and are read as income at 4% a year. If your employer adds to a company pension, include its share in your monthly payments.

The headline figure is the gross yearly income your pensions could give from the age shown, in today’s euros, so it can be set against what you spend now. The tiles under it show the pot behind that income and a second figure for context. Move any slider to see how a later age, a higher contribution or a different growth figure changes the estimate.

Frequently asked questions

Does the calculator work out my gesetzliche Rente?: No. Enter the amount from your Renteninformation, in today’s euros. It is added to the income from your other pensions.
What is the Regelaltersgrenze?: The age a full statutory pension starts without deductions: 67 for anyone born from 1964, and from 66 to 66 and 10 months for those born from 1958 to 1963.
Are Riester and Rürup included?: What you pay into them counts in your monthly payments. Their state allowances (Zulagen) and tax deductions are not modelled.
Is the income before tax?: Yes. The statutory pension is partly taxable: 84% of a pension starting in 2026, rising each year to 100% for pensions starting in 2058. Health and care contributions also apply.