Germany Statutory Pension Calculator 2026 (Rentenrechner & Pension Points)
Calculate your estimated German statutory retirement pension under the German Pension Insurance (DRV) formula: accumulated pension points (Entgeltpunkte), standard pension value (39.32 € per point), contribution years, and early retirement discount factors in EUR (€).
Estimated Gross Monthly Retirement Pension
Calculator Inputs
Estimated Gross Monthly Retirement Pension
Estimated Gross Annual Retirement Pension
Total Accumulated Pension Points (EP)
Monthly Early Retirement Penalty Reduction
Calculation Methodology
Monthly Pension = Accumulated Pension Points (EP) * Access Factor * Pension Value (39.32 €) * Pension Type Factor (1.0). Annual Pension Points = Gross Annual Wage / National Average Wage (~45,358 €). Early retirement carries a statutory 0.3% penalty per month prior to age 67.
Important Legal & Educational Disclaimer
This tool calculates statutory retirement benefits under Section 64 of Social Code Book VI (SGB VI). Official records are issued by Deutsche Rentenversicherung.
This calculator is designed for educational and informational purposes only based on public statutory frameworks. The outputs do not constitute binding financial, tax, or legal advice. We assume no liability for decisions made based on these estimations. Always verify with the relevant official authorities or a certified professional advisor.
Frequently Asked Questions
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