How much is your German disability pension?
Full EM-Rente 100 %, partial 50 % — minus deductions up to 10.8 % and 40 % of additional income above the limit. Calculate amount, credit period and payout.
- EM-Rente (payout)
- €1,578
- Gross pension
- €1,578
- Zurechnungszeit
- 15 years
- Deduction
- −10.8 %
- Earnings limit
- €19,661
- Income deduction
- −€0
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Calculation
| Item | Value |
|---|---|
| Personal Entgeltpunkte | 30.00 |
| Credit-period Entgeltpunkte | 15.00 |
| Total Entgeltpunkte | 45.00 |
| Access factor | 0.8920 |
| Pension type factor | 1.00 |
| Current pension value | €39 |
| Gross pension (monthly) | €1,578 |
| Earnings limit (annual) | €19,661 |
| Deduction (monthly) | −€0 |
| EM-Rente after deduction | €1,578 |
Note: Calculation based on §§43, 59, 77 and 96a SGB VI. The Erwerbsminderungsrente replaces lost earnings when medical assessment confirms reduced earning capacity. Full disability pension applies when remaining capacity falls below 3 hours per day; partial pension covers 3–6 hours. The deduction is 0.3 % per month before the reference age, capped at 10.8 % (36 months). The Zurechnungszeit credits years from the disability entry to the reference age with the personal average Entgeltpunkte. 2026 earnings limits: approx. €19,661 (full) and €37,118 (partial — individual high-3 calculation).
Background
German Disability Pension 2026: Full and Partial Erwerbsminderungsrente, Credit Period and Earnings Limit
12 Min.