National Pension System Calculator (Germany)
Estimate your potential retirement income from Germany’s multi-pillar pension system.
Combined Retirement Income
This section will display the sum of your estimated pensions from all calculated pillars.
Please calculate your Statutory Pension, Occupational Pension, and Private Pension using their respective tabs first to see combined results.
Results Summary
Estimated Monthly Statutory Pension (Nominal)
€-
Estimated Annual Statutory Pension (Nominal)
€-
Estimated Monthly Statutory Pension (Today’s Euros)
€- / month
(Adjusted for inflation until retirement)
Projected Total Pension Points: –
Estimated Total bAV Balance at Retirement
€-
Estimated Monthly Income from bAV
€-
(Based on your chosen withdrawal period)
In Today’s Euros
€- / month
Estimated Total Private Pension Balance at Retirement
€-
Estimated Monthly Income from Private Pension
€-
(Based on your chosen withdrawal period)
In Today’s Euros
€- / month
Estimated Total Monthly Retirement Income (Nominal)
€-
(DRV + bAV + Private Pension)
Estimated Total Monthly Retirement Income (Today’s Euros)
€-
Important Disclaimer:
- This calculator provides **estimations only** and should **not** be considered financial, tax, or legal advice.
- The German pension system is highly complex. This tool uses **simplified, illustrative formulas** and **general assumptions** for ease of use in a web tool.
- It does **not** replicate the precise actuarial calculations of the official Deutsche Rentenversicherung (DRV), nor does it cover all nuances of occupational or private pension products.
- For precise figures and personalized guidance, you **must** consult the official Deutsche Rentenversicherung (DRV) or other relevant pension providers, and a qualified financial advisor or tax professional.