German Pension Points Calculator 2026
A year at average German pay earns exactly one pension point. See how many points your 2026 salary earns and how much monthly pension they are worth.
| Points per year | 1.0000 |
|---|---|
| Points in total | 1.0000 |
| Monthly pension from these years | €42.52 |
- Average earnings 2026: €51,944 (provisional), pension value €42.52 from July 2026; pay above €101,400 earns nothing extra.
The formula
Pension points = annual gross / average earnings, provisionally €51,944 for 2026. €60,000 therefore earns 1.1551 points, worth about €49.11 of monthly pension for life at the €42.52 pension value. Pay above the €101,400 contribution ceiling does not count, so 1.9521 points is the most one year of 2026 can earn.
What a point costs
Employee and employer together pay 18.6% of €51,944 for a full point, roughly €9,662. The full projection to retirement is in the pension calculator.
Frequently asked questions
Why is average earnings "provisional"?
The final figure is fixed two years later. Until then the pension insurance uses the provisional value and corrects afterwards.
Do child-rearing years count?
Yes, about three points per child born from 1992, credited regardless of pay. This calculator covers contribution years only.
Sources: SV-Rechengrößenverordnung 2026, Rentenwertbestimmungsverordnung 2026.