German net pension table: from gross to net
Updated:
Health insurance, long-term care insurance and, where due, income tax are deducted from the gross state pension. The table shows the net pension for gross pensions of €800 to €3,000 a month in three typical situations.
Assumptions: pension starting in 2026, statutory health insurance (KVdR) with the average additional contribution of 2.9%, no church tax, no other income. “With children” means having children, none of them under 25.
| Gross pension | Single, no children | Single, with children | Married, partner without income |
|---|---|---|---|
| €800 | €696 | €701 | €701 |
| €900 | €783 | €789 | €789 |
| €1,000 | €871 | €877 | €877 |
| €1,100 | €958 | €964 | €964 |
| €1,200 | €1,045 | €1,052 | €1,052 |
| €1,300 | €1,132 | €1,139 | €1,139 |
| €1,400 | €1,219 | €1,227 | €1,227 |
| €1,500 | €1,302 | €1,310 | €1,315 |
| €1,600 | €1,378 | €1,386 | €1,402 |
| €1,700 | €1,453 | €1,462 | €1,490 |
| €1,800 | €1,527 | €1,536 | €1,578 |
| €1,900 | €1,600 | €1,609 | €1,665 |
| €2,000 | €1,672 | €1,681 | €1,753 |
| €2,100 | €1,743 | €1,752 | €1,841 |
| €2,200 | €1,812 | €1,822 | €1,928 |
| €2,300 | €1,882 | €1,893 | €2,016 |
| €2,400 | €1,952 | €1,962 | €2,104 |
| €2,500 | €2,021 | €2,032 | €2,191 |
| €2,600 | €2,090 | €2,102 | €2,279 |
| €2,700 | €2,159 | €2,171 | €2,367 |
| €2,800 | €2,228 | €2,240 | €2,454 |
| €2,900 | €2,296 | €2,309 | €2,541 |
| €3,000 | €2,364 | €2,377 | €2,619 |
- Married: income tax under the splitting tariff for joint assessment; the partner has no income of their own.
- With two or more children under 25, the care insurance contribution drops further; the calculator takes this into account.
- Amounts rounded to whole euros.
How the net pension comes about
The contribution to the pensioners' health insurance (half of 14.6% plus half of the additional contribution) and the full long-term care insurance contribution are deducted from the gross pension. Income tax applies only to the taxable part of the pension (84% for a pension starting in 2026), and only above the basic allowance. The page How Pensiqo calculates explains every step with its sources.
What the table does not show
Church tax (8 or 9% of the income tax), private health insurance, occupational or private pensions, rental income and your spouse's income can lower the net pension. Use the net pension calculator for your own situation.
Legal basis and sources
Frequently asked questions
How much of a €1,500 pension is left?
For a pension starting in 2026: single without children €1,302, single with children €1,310, married with a partner without income €1,315.
How much of a €2,500 pension is left?
For a pension starting in 2026: single without children €2,021, single with children €2,032, married with a partner without income €2,191.
Why is the net pension higher for married people?
With joint assessment, the couple's combined income is taxed under the splitting tariff. If the partner has no income of their own, the basic allowance effectively doubles and the tax on the pension falls or disappears. If the partner has income, the tax can also be higher.
Do pensioners in Germany pay health insurance?
Yes. In the pensioners' health insurance you pay half of the general rate and of your fund's additional contribution; the pension insurance pays the other half. You pay the care insurance contribution alone.
Does the table also apply to a pension starting after 2026?
Only approximately. With each later start year the taxable part of the pension rises by 0.5 percentage points, and contribution rates can change. The table is recalculated with every update of the official figures; the date at the top shows the status.