Germany Retirement Calculator / Rentenrechner
Plan your German retirement with our calculator designed for the German pension system. Includes Gesetzliche Rentenversicherung, Riester-Rente, Rürup-Rente, and Betriebliche Altersvorsorge planning.
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
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.