Germany Retirement Calculator 2026 / Rentenrechner Deutschland
Free retirement calculator 2026 for Germany. Plan your German retirement with gesetzliche Rentenversicherung, Riester-Rente, Rürup-Rente, and betriebliche Altersvorsorge planning. Calculate your retirement needs in EUR with our comprehensive German retirement planning tool.
Calculate your statutory pension benefits based on contribution years and earnings points (Entgeltpunkte).
Plan Riester-Rente (with government subsidies) and Rürup-Rente (tax-deductible) contributions for retirement.
Optimize employer-sponsored pension contributions and tax benefits for your retirement security.
State Pension (Gesetzliche Rente)
- ✓ Statutory pension insurance calculations
- ✓ Contribution rate: 18.6% (split employer/employee)
- ✓ Standard retirement age: 67
- ✓ Early retirement options (age 63 with reductions)
- ✓ Earnings points (Entgeltpunkte) system
- ✓ Pension adjustment (Rentenanpassung) projections
Private & Occupational Pensions
- ✓ Riester-Rente (subsidized private pension)
- ✓ Rürup-Rente (tax-deductible private pension)
- ✓ Betriebliche Altersvorsorge (company pension)
- ✓ Private savings and investments
- ✓ Tax optimization strategies
- ✓ Pension gap (Rentenlücke) analysis
Retirement Age
67
Regelaltersgrenze
Average Life Expectancy
81
years
Average Inflation Rate
2.8%
historical average
Contribution Rate
18.6%
Rentenbeitrag
How to Use the Germany Retirement Calculator 2026 / Rentenrechner
Our free Germany retirement calculator helps you plan for retirement using the German three-pillar pension system. Calculate your gesetzliche Rente (statutory pension), plan Riester-Rente and Rürup-Rente contributions, and optimize your betriebliche Altersvorsorge (occupational pension).
Gesetzliche Rente: The statutory pension insurance provides retirement benefits based on earnings points (Entgeltpunkte) and contribution years. Our calculator helps you estimate your pension benefits and understand early retirement options.
Riester & Rürup: Riester-Rente offers government subsidies for employees, while Rürup-Rente provides tax deductions for self-employed and high earners. Our calculator helps you determine which private pension option is better for your situation.
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Häufig gestellte Fragen - Deutsche Rentenplanung
Wann kann ich in Deutschland in Rente gehen?
Die Regelaltersgrenze liegt bei 67 Jahren für Jahrgänge ab 1964. Früherer Renteneintritt ab 63 ist möglich, jedoch mit Abschlägen. Unser Rechner hilft Ihnen, die optimale Strategie zu finden.
How much pension will I receive in Germany?
German pension benefits are based on your earnings points (Entgeltpunkte) accumulated over your working life. Average pension is around €1,500/month, but varies significantly based on contributions.
Should I use Riester or Rürup in Germany?
Riester is best for employees with government subsidies. Rürup is ideal for self-employed and high earners seeking tax deductions. Our calculator helps determine which is better for your situation.