How much pension will I get on 3,000 euro gross?

On 3,000 euro monthly gross over 40 contribution years, about 1,179 euro statutory pension gross a month; over 35 years about 1,031 euro and over 45 years about 1,326 euro, in today's euro and retiring at the standard retirement age. About twelve to thirteen percent less remains after health and long-term care insurance.

How much pension will I get on 4,000 euro gross?

On 4,000 euro monthly gross over 40 contribution years about 1,572 euro gross a month, over 45 years about 1,768 euro.

How much pension do you get after 45 contribution years?

Someone who earned exactly the average for 45 years gets 45 pension points times 42.52 euro, so 1,913 euro gross a month (as of the 1 July 2026 pension adjustment). Earn more or less than average and you land above or below that.

What is a pension point worth?

Since 1 July 2026 it is 42.52 euro of gross monthly pension per point. One point corresponds to one year at exactly the average income, provisionally 51,944 euro gross in 2026.

Is there a maximum pension?

Within the contribution ceiling: income above 101,400 euro a year (2026) creates no further points, which is at most about 1.95 points per year. Over 45 years that is about 3,735 euro gross a month.

How does part-time work affect the pension?

Points fall in proportion to the salary. Ten years at 50 percent of a 60,000 euro salary means about 246 euro less statutory pension gross a month, permanently. Child-raising periods offset part of it.

How much pension will I get in Germany? The statutory pension by salary and years of contributions

Someone who earns 3,000 euro gross a month for 40 years arrives, by calculation, at about 1,180 euro of statutory pension a month before deductions. The table for 2,000 to 10,000 euro monthly gross and 30 to 45 contribution years, the formula behind it, and what it leaves out.

Kurzantwort: The German statutory pension is pension points times the pension point value. Someone who earns 3,000 euro gross a month for 40 years gets about 1,180 euro a month before deductions, at 4,000 euro gross about 1,570 euro, at 5,000 euro about 1,970 euro. Someone who earns exactly the national average for 45 years gets 1,913 euro. Health and long-term care insurance contributions, and possibly income tax, come off that.

The pension formula is short and still rarely worked out. It has three ingredients: how much you earn relative to the average, how many years you pay in, and what one pension point is currently worth. This article runs it for typical salaries, in today's euro, so you can read off your own result approximately.

The formula in three steps

First: your gross annual income divided by the provisional average earnings figure (51,944 euro in 2026) gives your pension points (Entgeltpunkte) for that year. Earn exactly the average and you get one point for the year, earn half and you get half a point. Second: the points from all contribution years are added up. Third: the total is multiplied by the current pension point value, 42.52 euro per point since 1 July 2026. The result is the monthly gross pension at retirement at the standard retirement age.

Only income up to the contribution ceiling counts (2026: 101,400 euro a year, 8,450 euro a month). Earnings above it create no additional points, so the maximum is about 1.95 points per year.

The table: monthly gross pension by monthly gross income and contribution years

Calculated with a constant ratio to average earnings across the whole career, in today's euro, retirement at the standard retirement age, rounded to whole euro. Monthly gross times twelve, no bonuses.

2,000 euro monthly gross: 30 years 589 euro, 35 years 688 euro, 40 years 786 euro, 45 years 884 euro
3,000 euro monthly gross: 30 years 884 euro, 35 years 1,031 euro, 40 years 1,179 euro, 45 years 1,326 euro
4,000 euro monthly gross: 30 years 1,179 euro, 35 years 1,375 euro, 40 years 1,572 euro, 45 years 1,768 euro
5,000 euro monthly gross: 30 years 1,473 euro, 35 years 1,719 euro, 40 years 1,965 euro, 45 years 2,210 euro
6,000 euro monthly gross: 30 years 1,768 euro, 35 years 2,063 euro, 40 years 2,357 euro, 45 years 2,652 euro
8,000 euro monthly gross: 30 years 2,357 euro, 35 years 2,750 euro, 40 years 3,143 euro, 45 years 3,536 euro
10,000 euro monthly gross (capped above the ceiling): 30 years 2,490 euro, 35 years 2,905 euro, 40 years 3,320 euro, 45 years 3,735 euro

1,913 € — Monthly gross pension after 45 years at exactly the average income: 45 points times 42.52 euro.

Gross is not what lands in your account

The table shows the pension before deductions. Health and long-term care insurance contributions come off the statutory pension, together roughly twelve to thirteen percent, depending on the health fund and whether you have children. Income tax applies once your total retirement income exceeds the basic allowance; with a statutory pension alone that is often not yet the case, but with an occupational pension, rental income or investment income it can change. As a rough orientation that corresponds to a deduction of about an eighth.

What the table leaves out

Earnings paths: someone who earns little first and a lot later has different points than the table. Your pension account at the German pension insurance (Deutsche Rentenversicherung) shows your actual points to date.
Periods without contributions: unemployment without benefits, self-employment without compulsory contributions or years abroad build no points. Child-raising periods, by contrast, are credited, up to three years per child (for births from 1992; currently two and a half years for older children).
Part-time: half the salary means half the points. Ten years at 50 percent of a 60,000 euro salary means about 246 euro less gross pension a month, for life, compared with full-time.
Retiring early: anyone who can draw an early retirement pension and leaves before the standard retirement age takes a 0.3 percent reduction per month, so 3.6 percent per year, permanently.
Purchasing power: the table is in today's euro. The pension point value usually rises every year, and so do prices; in 30 years the same amount buys noticeably less.

The pension of a household, not just your own

Two examples from the table as a household: one person with 5,000 euro monthly gross and 40 contribution years (1,965 euro) and a partner with 3,000 euro and 40 years (1,179 euro) reach about 3,144 euro gross a month together. If the second person worked half-days for ten years because of the children, the household is missing about 147 euro a month in retirement (ten years at 50 percent of 36,000 euro gross a year). A couple's pension gap is the gap between this sum and what the shared standard of living in retirement will cost, not the sum of two individual gaps.

How much pension will I get on 3,000 euro gross?: On 3,000 euro monthly gross over 40 contribution years, about 1,179 euro statutory pension gross a month; over 35 years about 1,031 euro and over 45 years about 1,326 euro, in today's euro and retiring at the standard retirement age. About twelve to thirteen percent less remains after health and long-term care insurance.
How much pension will I get on 4,000 euro gross?: On 4,000 euro monthly gross over 40 contribution years about 1,572 euro gross a month, over 45 years about 1,768 euro.
How much pension do you get after 45 contribution years?: Someone who earned exactly the average for 45 years gets 45 pension points times 42.52 euro, so 1,913 euro gross a month (as of the 1 July 2026 pension adjustment). Earn more or less than average and you land above or below that.
What is a pension point worth?: Since 1 July 2026 it is 42.52 euro of gross monthly pension per point. One point corresponds to one year at exactly the average income, provisionally 51,944 euro gross in 2026.
Is there a maximum pension?: Within the contribution ceiling: income above 101,400 euro a year (2026) creates no further points, which is at most about 1.95 points per year. Over 45 years that is about 3,735 euro gross a month.
How does part-time work affect the pension?: Points fall in proportion to the salary. Ten years at 50 percent of a 60,000 euro salary means about 246 euro less statutory pension gross a month, permanently. Child-raising periods offset part of it.

The figures are model calculations with a constant ratio to average earnings, not a pension statement. Your actual forecast is in your annual pension information and your account at the German pension insurance. Miravel calculates with your own numbers and shows the pension of your whole household, not one row of a table.