Pension Points Calculator for Germany

Method and scope

Statutory old-age pension illustration from your accumulated Entgeltpunkte and assumed future annual points. Uses the €42.52 monthly point value effective 1 July 2026 through 30 June 2027, held constant. The pension-type factor is 1 for an old-age pension. Enter the access factor from your pension statement, or 1 for no adjustment. Future revaluations, eligibility, health/care contributions and income tax are excluded. This is a gross monthly illustration at the current point value, not a forecast of future pension rates.

Try the starting example

Accumulated pension points (Entgeltpunkte): 20; Assumed additional points per year: 1; Further contribution years: 20; Access factor (Zugangsfaktor): 1.

Gross monthly old-age pension at current point value: 1.700,80 €.

Are you comparing a pension payment with an investment balance?

The German pension-points tool estimates a monthly statutory payment under its stated assumptions. An investment calculator instead projects a stock of assets. Compare income with income: do not add a monthly pension directly to a capital balance or assume the pension estimate covers every insurance deduction.

Change earnings or contribution years in the pension calculator one at a time and compare the monthly entitlement. There is no investment-return assumption in this statutory pension-points model. Record the assumptions with your result. See worked planning examples and our calculation and correction process.

Sources and review date

• German Social Code: pension formula
• 2026 pension value regulation

Rules and method reviewed 2026-11-01. Future changes are not automatically applied. Report a correction.