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
Datos y Parámetros
Estimated Gross Monthly Retirement Pension
Estimated Gross Annual Retirement Pension
Total Accumulated Pension Points (EP)
Monthly Early Retirement Penalty Reduction
Metodología de Cálculo
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.
Aviso Legal e Informativo
This tool calculates statutory retirement benefits under Section 64 of Social Code Book VI (SGB VI). Official records are issued by Deutsche Rentenversicherung.
Esta calculadora es para fines educativos e informativos. Los resultados no constituyen asesoramiento financiero, fiscal o legal vinculante.
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