How Many Pension Points Will You Earn?
1 Entgeltpunkt = a gross salary equal to the German average wage (2026: 45,358 €). Project your statutory pension and see what the system delivers.
- Projected Monthly Pension
- €1,890
- Total Pension Points
- 48.07
- Points per year
- 1.10
- Projected Points
- 33.07
- Annual Pension
- €22,681
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Overview
| Category | Value |
|---|---|
| Annual gross salary | €50,000 |
| Average wage 2026 | €45,358 |
| Points per year | 1.10 |
| Contribution years (projection) | 30 |
| Projected pension points | 33.07 |
| Points already earned | 15.00 |
| Total pension points | 48.07 |
| Current pension value | €39 |
| Monthly pension (gross) | €1,890 |
| Annual pension (gross) | €22,681 |
Note: Calculation under §63, §64, §70 SGB VI. 2026 values (estimated): average wage 45,358 €, current pension value 39.32 €/point (West Germany), contribution ceiling 96,600 €/year. Maximum ≈ 2.13 points per year — income above the ceiling earns no extra points. The pension is subject to health/long-term-care contributions and income tax.
Background
German Pension Points 2026: Entgeltpunkte, Rentenwert and Projected Pension Explained
12 Min.