German net pension calculator
Updated:
How much of your Deutsche Rentenversicherung pension actually reaches your account depends on health and care insurance and income tax. The calculator shows a range and explains every step.
Your inputs stay in your browser: the calculation runs only on your device, and nothing is sent to us or to ad networks.
Net pension calculator
From gross to net
Half of the general health insurance rate (7.3%) plus half of your fund's additional contribution is deducted from the state pension, as is the full long-term care insurance contribution (3.6%, or 4.2% without children). Only the taxable share is subject to income tax: if you retire in 2026, 84% is taxable; the remaining 16% stays tax-free for life as a fixed euro amount. The share for every start year is in the taxable share table.
Worked example
Born 1962, €3,800 gross a month, 38 earnings points according to the pension statement, with children, statutory health insurance, no church tax.
Pension start without deduction: 1 September 2027
| Gross pension | €1,661 |
|---|---|
| Health insurance | − €145 |
| Long-term care insurance | − €60 |
| Income tax | − €25 |
| Net pension | €1,431 |
Amounts in today's purchasing power; the same inputs in the calculator give the same figures.
Health and care insurance in retirement
If you were covered by statutory health insurance for at least nine tenths of the second half of your working life, you are compulsorily insured in the pensioners' health insurance (KVdR). The pension insurance pays half of the health insurance contribution; pensioners pay the care insurance contribution alone. Without children there is a surcharge of 0.6 percentage points; from the second child under 25 the rate drops by 0.25 points per child.
When is the pension taxed?
Tax is only due once taxable income exceeds the basic allowance (2026: €12,348 a year, twice that for married couples). Before that, the tax-free part of the pension, the €102 allowance for expenses and the health and care insurance contributions paid are deducted. Small and medium pensions without other income therefore often stay entirely or almost tax-free; the net pension table shows how much is left at each gross pension.
How precise is the result?
With two inputs the calculator estimates a range. Enter the figures from your pension statement (Renteninformation) and the range narrows. All amounts are in today's purchasing power; future pension increases are an assumption (0 to 1% a year in real terms).
Legal basis and sources
- § 22 no. 1 EStG (Income Tax Act) – taxable share of the pension
- § 32a EStG – income tax rates
- § 9a EStG – standard deduction for expenses
- § 241 SGB V – general health insurance contribution rate
- § 242a SGB V – average additional contribution
- § 55 SGB XI – long-term care insurance contribution rate
- Deutsche Rentenversicherung – key figures of the pension insurance (German)
Frequently asked questions
How much of a €1,500 pension is left after deductions?
For a gross pension of €1,500 starting in 2026, about €1,302 is left for a single person without children, €1,310 for a single person with children and €1,315 for a married person whose partner has no income – each with statutory health insurance, no church tax and no other income. More amounts are in the net pension table.
How much of a €2,000 pension is left after deductions?
For a gross pension of €2,000 starting in 2026, about €1,672 is left for a single person without children, €1,681 with children and €1,753 for a married person whose partner has no income. See the net pension table.
Do I have to pay tax on my German pension?
Only if your taxable income exceeds the basic allowance. The taxable share of your pension (84% for pensions starting in 2026) counts, minus allowances and the health and care insurance contributions. With no other income, tax is due from a gross pension of about €1,466 a month for a pension starting in 2026 (single, no children); see the taxable share table. Occupational pensions, rental income or your spouse's income can increase the tax.
Why do pensioners without children pay more for care insurance?
People without children have paid a surcharge since 2005; since July 2023 it has been 0.6 percentage points. What matters is whether you ever had children – adult children also exempt you from the surcharge.
Where do I find my earnings points (Entgeltpunkte)?
In the annual pension statement (Renteninformation) from the Deutsche Rentenversicherung (from age 27) or in your insurance record. The pension entitlement reached so far divided by the pension value at the time gives your earnings points.
Are occupational or private pensions included?
Not yet. The calculator points it out if you have other pensions – your tax may then be higher.
Does the calculator store my data?
No. The calculation runs entirely in your browser; your inputs are sent neither to us nor to ad networks. Only if you explicitly choose so does your device remember your inputs.