🏛 Calculator puncte pensie
How many Entgeltpunkte do you earn? Estimate your future pension.
45.358 €
Average wage 2025
39,32 €
Point value 2025
2,0
Max points/year
📌 About pension points
- 1 point = the year's average wage earned. More income = more points, up to the ceiling (~€96,600).
- Kindererziehungszeiten: ~1 point/child/year, max 3 years — credited to the mother, transferable.
- Point value rises yearly (2025: €39.32). Points never lose value.
- Pension gap: calculator shows gross. Net is ~10–15% less after contributions and tax.
Approximation 2025 without VBL. Exact: Deutsche Rentenversicherung (Rentenauskunft).