How Much Will Your German Company Pension Pay?
Calculate your bAV under §3 Nr. 63 EStG — with tax and social-security savings, employer pass-through and projected monthly payout.
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- Monthly Company Pension
- €733
- Net (after tax + statutory health)
- €538
- Annual Income-Tax Saving
- €582
- Annual Social-Security Saving
- €564
- Net Own Outlay/month
- €104.45
- Capital at Retirement
- €144,908
- Saving Period
- 32 years
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Summary
| Category | Amount |
|---|---|
| Own Contribution/month | €200 |
| Own Contribution/year | €2,400 |
| Employer Pass-through/year | €360 |
| Total Contribution/year | €2,760 |
| Tax-free Ceiling (8 % BBG-RV) | €7,728 |
| SV-free Ceiling (4 % BBG-RV) | €3,864 |
| Income-Tax Saving/year | €582 |
| Social-Security Saving/year | €564 |
| Net Outlay/month | €104.45 |
| Total Own Contributions | €76,800 |
| Total Employer Pass-through | €11,520 |
| Capital at Retirement | €144,908 |
| Gross Monthly Pension | €733 |
| Net Monthly Pension (estimated) | €538 |
Note: Calculation follows §3 Nr. 63 EStG, BetrAVG and §226 SGB V (2026). BBG-RV West applies (€96,600/year). Payout is approximated as a 20-year annuity at 2 % p.a.; net pension assumes 18 % income tax and 11.55 % statutory health/long-term-care above the €187.25 monthly allowance. Actual figures depend on your contract's annuity factor and personal tax burden.
Background
German Company Pension 2026: bAV Calculator, Tax & SV Savings and Employer Pass-through Explained
12 Min.