German state pension from pension points — the SGB VI s. 64 formula
The monthly pension is the product of three factors: your personal pension points (points times the access factor), the pension-type factor (1.0 for old-age and full disability pensions, 0.5 for partial disability) and the current pension value.
2026 rules — verified on September 23, 2026Free, no account
This content is part of the path: Retiring· Step 4 of 11· Next step: Buying out the German early-retirement reduction — compensation payment under SGB VI s. 187a
Your result
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Sources and assumptions
- gesetze-im-internet.de — Rentenwertbestimmungsverordnung 2025 (RWBestV 2025) § 1 — tax year 2026, verified on September 23, 2026
Excerpt from the source : « Der aktuelle Rentenwert beträgt ab dem 1. Juli 2025 40,79 Euro. »
- gesetze-im-internet.de — Rentenwertbestimmungsverordnung 2026 (RWBestV 2026) § 1 — tax year 2026, verified on September 23, 2026
Excerpt from the source : « Der aktuelle Rentenwert beträgt ab dem 1. Juli 2026 42,52 Euro. »
- gesetze-im-internet.de — SGB VI § 67 Nr. 1 — tax year 2026, verified on September 23, 2026
Excerpt from the source : « 1. | Renten wegen Alters | 1,0 | »
- gesetze-im-internet.de — SGB VI § 67 Nr. 2 — tax year 2026, verified on September 23, 2026
Excerpt from the source : « 2. | Renten wegen teilweiser Erwerbsminderung | 0,5 | »
- gesetze-im-internet.de — SGB VI § 67 Nr. 3 — tax year 2026, verified on September 23, 2026
Excerpt from the source : « 3. | Renten wegen voller Erwerbsminderung | 1,0 | »
Calculation assumptions
- Your total pension points are taken from your pension statement (Renteninformation or Rentenauskunft); they are not rebuilt here from your insurance record.
- The access factor is an input: 1.0 when the pension starts at the standard retirement age, 0.003 less for each month drawn early and 0.005 more for each month deferred (SGB VI s. 77).
- The result is the gross pension before pensioners' health and long-term care contributions and before tax; the basic pension supplement and survivors' pensions are not included.
- Pensions starting from July 2025 onwards are covered: no pension value is held here for earlier periods.
Go further
Related calculators
Neighbouring calculations: the other side of the same decision, or the step that follows.
- German state pension age — when does your standard old-age pension start?
- German early retirement at 63 — earliest start and pension reduction
- German pension taxation — taxable share and frozen exempt amount
- German widow's or widower's pension — pension-type factor, first three months and income test
- Buying out the German early-retirement reduction — compensation payment under SGB VI s. 187a
- German pension contributions for the self-employed — standard, half-rate or income-based
This result is provided for information purposes only and does not constitute personalised tax advice. Check your situation with the tax authorities or a professional.