How Do I Calculate My Expected German Pension Based on My Salary and Years of Contribution

The formula is straightforward: Total pension points × €39.32 = your monthly gross pension. Here’s an interactive calculator so you can plug in your own numbers.

Here’s how the math works behind the calculator:

Step 1 — Points per year: Divide your salary by the national average (€45,358 in 2026). Earning €50,000 gives you 50,000 ÷ 45,358 = 1.10 points/year.

Step 2 — Total points: Multiply points/year by your years of contributions. 30 years × 1.10 = 33 points.

Step 3 — Monthly pension: Total points × €39.32. So 33 × €39.32 = ~€1,298/month gross.

Step 4 (if retiring early): Subtract 0.3% for every month before standard age, permanently.

A few things worth keeping in mind: the calculator gives you your gross pension — taxes and health insurance contributions are still deducted in retirement. Also, your actual pension statement from the DRV will account for special credits (like years spent raising children or caregiving) that this simple formula doesn’t include. Those can meaningfully increase your final figure.