German Pension Calculator
Calculate your expected German public pension (gesetzliche Rente) and discover your pension gap. Plan how much you need to save for a comfortable retirement.
FAQs
Your pension depends on your Entgeltpunkte (earnings points). If you earn the average salary (€45,358 in 2024) for one year, you earn 1 point. Each point is currently worth about €37.60/month. After 35 years at average salary, you'd receive roughly €1,316/month before tax.
The pension gap is the difference between your expected state pension and the income you need in retirement. Most people need 70-80% of their working income. With the average pension at ~€1,500/month, there's often a gap of €1,000-2,000/month to close.
Yes — by earning more (higher contributions), working longer, or making voluntary additional contributions (freiwillige Beiträge). You can also 'buy back' years you missed. However, the return on voluntary contributions may be lower than alternative investments.
Pensions are increasingly taxed in Germany. By 2040, 100% of state pension income will be taxable. Currently, the taxable portion depends on your retirement year. Private pensions (Riester, Rürup) have different tax treatments.
One rental property generating €800-1,200/month net can significantly close a pension gap. Property income benefits from tax advantages like depreciation (2% AfA), and a fully paid-off property provides inflation-adjusted income in retirement.
What's Next
One rental property generating €800/month net could close most of that gap.
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