Retirement planner
Estimate your German state pension — built for people who arrive mid-career. 2026 values.
Your situation
Your standard retirement age: 67
ℹ️ Enter your typical gross — real years vary, so this is an estimate. Your exact points are in the official Renteninformation.
Will you qualify?
You reach the 5-year minimum — you'll get a statutory pension.
Years in a country without an agreement don't count toward the minimum.
Estimated statutory pension
≈ €1,256/month · gross
≈ ≈ €1,118/mo after health & care insurance
Pension points (EP): 30.8 · based on 32 German contribution years
Assumptions
- • Rentenwert 2025/2026: €40.79
- • Shown in today's purchasing power
- • Continuous employment assumed
- • No survivor pension included
- • No voluntary contributions included
Why this result?
⏱️ Work longer = more pension
Your monthly pension by retirement age
Replacement level · ~30%
That's about 30% of your current monthly gross. Most people aim higher — the gap is what company/private pensions fill.
Close your pension gap
Your monthly gap
€1,382
Save ≈ €361/month
for 27 years → builds ≈ €209,908, covering the gap for ~18 years
Illustrative compound-interest math — returns aren't guaranteed, shown before inflation & tax. Not investment advice.
Invest, or top up your pension? Tax check
What you save in tax & social now per option — plus the catch. Compare for yourself; not investment advice.
Your marginal tax rate ≈ 31%
Company pension (bAV)
saves ≈ €1,219/yr now
+ employer €360/yr
Employer adds ≥15%. Payout fully taxed + health/care contributions.
fits employees with an employer match
Rürup (Basisrente)
saves ≈ €739/yr now
Up to €30,826 deductible. But annuity only — no lump sum, not inheritable.
fits the self-employed & high earners
Riester
saves ≈ €648/yr now
Subsidy €175 + €300/child — only if you're in the statutory system. Payout taxed.
fits eligible employees with children
Private / ETF
€0 up front
→ ≈ €116,364 at retirement (4%)
No tax break now, but flexible; 30% of gains tax-free + €1,000 allowance later.
fits if you want flexibility
Compares only the up-front tax/social effect — not returns, fees, flexibility or suitability. Educational, not investment advice; compare independently or ask an independent fee-based guide.
Qualifying ≠ amount
Foreign years can help you qualify. But Germany pays a pension only for your German years — your years abroad are paid pro-rata by that country.
Coming from abroad?
How your foreign years count
No agreement: only your German years count toward the minimum.
Can I transfer my pension to Germany?
Usually no. Your foreign years are counted toward the German minimum and each country pays its own pro-rata pension — no money moves between systems. A real capital transfer exists only in narrow cases (EU / international-organisation staff; some private/occupational schemes, often penalised).
You can still receive a German pension while living abroad — in full within the EU/EEA/Switzerland.
Want more German pension? Pay voluntary contributions (§7 SGB VI) or back-pay study years (§207) — you build German periods rather than moving foreign money in.
↩️ Leaving Germany for good?
Non-EU citizens with no pension claim can apply to refund their own contribution share — 24 months after the last contribution. You then give up those periods. Form V0901 (also in English).
Countries with a German pension agreement
Albania · Australia · Bosnia & Herzegovina · Brazil · Chile · India · Israel · Japan · Canada · Kosovo · Morocco · Moldova · Montenegro · North Macedonia · Philippines · Serbia · South Korea · Tunisia · Türkiye · Uruguay · United States
India: full agreement. Turkey, Morocco, Tunisia: special rules apply. Ukraine: signed but not yet in force — periods don't count yet.
Official & free — Deutsche Rentenversicherung
One-tap reminders
Estimate for the statutory pension (2026 values, gross monthly). Your real pension depends on your full record — get the official Renteninformation and free DRV advice. Not financial or tax advice.