German State Pension Calculator

Provide your details to estimate your potential German state pension (gesetzliche Rente).*

Based on your inputs, we’ll calculate an approximate projection of your future state pension and show how your earnings history and contribution years may affect your retirement income.

Estimate Your German State Pension

Enter your details to receive an approximate projection of your statutory pension based on the official calculation method.

Adjust the values and see how they change the estimated gross monthly statutory pension. (Formula: EP × access factor × pension value × pension type factor)

Earnings points (EP)
Tip: If your income was around the national average, you earned roughly 1.0 EP per year.
What are earnings points (EP)?

Earnings points reflect your pension contributions relative to the national average income. If you earned about the average in a year, you typically earn about 1.0 EP for that year. You can find your total EP in your Deutsche Rentenversicherung “Renteninformation”.

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Access factor
Early retirement reduces, later retirement increases the pension.
What is the access factor?

The access factor applies reductions for retiring earlier and increases for retiring later. A value of 1.00 means no reduction/increase (retirement at the statutory age).

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Current pension value (aRW)
Value per 1 EP (in €). You can update this number when it changes.
What is the pension value (aRW)?

The pension value shows how many euros one earnings point is worth. It is adjusted periodically. This calculator uses the value you enter here.

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Pension type factor
For standard old-age pension, this is typically 1.0.
What is the pension type factor?

This factor depends on the pension type. Old-age pensions are typically 1.0. Other pension types can differ (e.g., partial disability may be lower).

Estimated gross monthly pension
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*This calculator provides an approximate estimate only and does not represent an official pension statement. For an accurate and legally binding assessment of your state pension entitlement, you must contact the Deutsche Rentenversicherung directly. Only the Deutsche Rentenversicherung can provide a definitive calculation of your statutory pension benefits.

How Your Monthly German State Pension Is Calculated

Your monthly state pension is calculated using the following formula:

Monthly Pension = Earnings Points × Access Factor × Current Pension Value × Pension Type Factor

Each of these elements plays a specific role in determining how much you receive.

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