What is a German pension point (Entgeltpunkt)?

Earning exactly the statutory national average wage (approx. 45,358 € annually) in a calendar year grants you exactly 1.0 pension point.

What is the penalty for retiring early in Germany?

Each month you retire before the standard retirement age (67 years) reduces your monthly pension permanently by 0.3% (up to a maximum penalty of 14.4% for 4 years early).

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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 (€).

Retraite et Pensions Fonds de Pension Patrimoine et Successions

Résultat Calculé

Estimated Gross Monthly Retirement Pension

€0

Données du Simulateur

Average Gross Annual Salary (EUR €)

€

Sélection rapide :

Years of Pension Contributions

years

Sélection rapide :

Target Retirement Age

Résultat Calculé

Estimated Gross Monthly Retirement Pension

€0

Estimated Gross Annual Retirement Pension

€0

Total Accumulated Pension Points (EP)

€0

Monthly Early Retirement Penalty Reduction

€0

Méthodologie de Calcul

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.

Avertissement Légal et Pédagogique

This tool calculates statutory retirement benefits under Section 64 of Social Code Book VI (SGB VI). Official records are issued by Deutsche Rentenversicherung.

Ce simulateur est conçu à des fins éducatives et informatives. Les résultats ne constituent pas un conseil financier, fiscal ou juridique contraignant.

Foire Aux Questions

The monthly gross pension equals total accumulated pension points (Entgeltpunkte) multiplied by the statutory pension point value (unified across Germany at 39.32 €) and retirement age access factors.

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Germany Statutory Pension Calculator 2026 (Rentenrechner & Pension Points)

Données du Simulateur

Méthodologie de Calcul

Avertissement Légal et Pédagogique

Foire Aux Questions

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