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Useful Financial Tools
Calculate my cashflow
How much of my income is taxable?
How much is my German State Pension?
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Calculate my cashflow
Income
Fixed spending
Free liquidity
Current monthly allocations
Remaining liquidity
How much of my income is taxable?
How much is my German State Pension?
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 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”.
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).
The pension value shows how many euros one earnings point is worth. It is adjusted periodically. This calculator uses the value you enter here.
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).
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This website provides general information only and does not constitute personal financial advice or a recommendation. Any suitable course of action depends on your individual circumstances. Investments carry risk and can fall as well as rise, and you may get back less than you invest. Tax treatment depends on individual circumstances and may change. Cross border situations can add additional complexity.
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