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 (€).

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計算結果

Estimated Monthly Gross Pension Eur

€1,560.39

入力パラメータ

Average Gross Annual Salary

€

クイック選択:

Years of Pension Contributions

年

クイック選択:

Target Retirement Age

Estimated Monthly Gross Pension Eur

€1,560.39

Estimated Annual Gross Pension Eur

€18,724.64

Total Accumulated Pension Points

39.68 ポイント

Early Discount Amount Eur

€0

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

本計算機は、一般的な財務試算、計画および参考を目的とした数学的モデルです。算出結果はお客様の入力値および標準計算式に基づくものであり、拘束力のある金融・税務・投資の助言を構成するものではありません。財務上の決定を行う前に、必ず専門家にご相談ください。

Official Statute: Sechstes Buch Sozialgesetzbuch (SGB VI §§ 64-68 - Rentenformel, Entgeltpunkte, Zugangsfaktor & aktueller Rentenwert)Last Verified: 2026-08-31

計算方法と根拠

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.

よくある質問 (FAQ)

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.