How many pension points do you get at 60,000 euros gross? (Image: Photo by: Kaboompics.com, Pexels)
Many insured persons assume that an annual gross of 60,000 euros automatically leads to a decent pension.
The truth is: the statutory pension calculates differently. It does not count how high your salary is absolutely – but, as it is in relation to the so -called average fee. Only those who earn significantly above this average for years can rely on a noticeably higher legal pension.
And this is exactly where the pension point comes into play.
This is how the calculation works: How many pension points do you get at 60,000 gross per year?
The principle is simple, but still not very tangible for many: for every year in which they earn exactly as much as the average of all insured persons, they get exactly a pension point credited.
They earn more, there is more accordingly Pension points – they earn less, just less. For 2025, this official average fee is included 50,493 euros gross.
So if you earn 60,000 euros, you are – but not clearly.
The formula is:
60,000 € ÷ 50,493 € = 1.19 pension points
Plain text: With a gross annual gross of € 60,000, collect in 2025 in 2025 1.19 pension points – Provided that it is a matter of contributory income from employment subject to social security contributions. Everything below the contribution ceiling is taken into account, and at € 60,000 they are clearly below the limit of € 96,600.
A look back: which has changed compared to 2024
In 2024 the average fee was even significantly lower: in the West 45,358 €in the east at 44,732 €.
This means that with the exact same content of € 60,000 in 2024 1.32 pension points in the west or 1.34 points in the east would have got. So 2025 brings a clear shift: If you don’t keep up with general wage development, you get fewer points with the same content. This is the price of the dynamic – and once more shows that nominally constant incomes can be losing a pension value.
How much pension do you get later at 60,000 euros gross per month?
A pension point is exactly from July 1, 2025 40.79 euros gross per month value. Your 1.19 points from a year at € 60,000 will bring you:
1.19 × 40.79 € = € 48.53 gross pension per month
That sounds manageable at first – but also shows how important every year in working life. Those who earn € 60,000 for 30 years collect approximately 35.7 pension points and later comes to a statutory gross torment of round 1,457 euros per month (35.7 × 40.79 €). Depending on the health and long-term care insurance and tax, it remains net between 1,200 and 1,250 euros.
Table: So many pension points bring other salaries
For better classification, a small table for 2025 – all values ​​apply assuming that the complete income is subject to contributions:
From an income above the contribution ceiling (€ 96,600), no additional pension points are counted – everything that goes beyond will bring you for the statutory pension no added value.
What this means for your pension
An annual salary of 60,000 euros is above average in Germany.
Nevertheless, it is not enough to live financially later in retirement – at least not if you only rely on the statutory pension. 1.19 points a year add up to round for over 40 years 47.6 pointswhat a gross torment of about 1,943 euros a month corresponds. After deductions, net remains something 1,600 euros. That is enough – but only if you have no high fixed costs in retirement.
As so often, the solution is in the Additional provision: If you provide privately (e.g. via ETFs, company pension or supplementary insurance), you can specifically close the pension gap. Alternatively, there is also the possibility of To buy pension points – This is possible from the age of 50. An additional point costs 2025 € 9,391.70 – and brings € 40.79 additional gross dent per month.
The investment amortizes itself in good 19 years of pension reference – A topic for everyone who has long life expectancy and freely available liquidity.
Conclusion: With € 60,000 annual income you have sufficient pension points
With a gross salary of 60,000 euros per year, you can 2025 1.19 pension points collect.
This is more than the average, but far from the maximum values. In 40 years, they come to a pension of just under 2,000 euros gross – solid, but not more than that. Those who have worked a lot in part -time in recent years must score with significantly fewer scale and thus a noticeable pension gap.
Therefore applies: Check pension points again and again, check the pension notification – and provide privately in parallel. Because even if the system has been stabilized and the values ​​have been adjusted: it becomes scarce without your own. And if you earn € 60,000, you should take your chance – and plan with foresight.
FAQ: How many pension points at 60,000 euros gross?
How much content do you need for a pension point?
For 2025, the so -called average fee – i.e. the comparison basis – is included 50,493 euros gross annually. This means that if you earn exactly this amount as a income subject to social security contributions, you get exactly a pension point credited. If you earn less, there are a few few points – more salary brings more points, maximum up to the contribution ceiling (2025: 96,600 euros). Who z. B. earned 30,000 euros gross a year, collects round 0.59 pension points.
How many pension points do you need for € 2,000 pension?
A pension point brings off July 2025 exactly 40.79 euros gross per month. So for a monthly pension of 2,000 euros you would need:
€ 2,000 ÷ € 40.79 ≈ 49 pension points
This corresponds to 49 years with an average level (50,493 euros) or, for example, 40 years with a slightly above -average earnings. Important: This is the gross tores. Net remains net after taxes and social security contributions.
How many pension points are there at the age of 40?
That depends entirely on income. Anyone who earns average level for 40 years (i.e. around 50,493 euros per year) collects exactly 40 pension points. Whoever deserves more, e.g. B. 80,000 euros annually, 2025 would come up 1.58 points a yearso after 40 years 63.2 points. Conversely, part -time or low -wage means significantly fewer points.
How much earn for a pension point 2025?
Very specific: 50,493 euros gross in 2025. This is the officially defined average fee, on the basis of which the pension points are calculated. This income corresponds 1.00 pension point per year. Who z. B. earned 60,000 euros, gets around 2025 1.19 pointsif you earn 80,000 euros, you are at 1.58 points.
How can I deposit 30,000 euros into the pension fund?
This is only possible under certain conditions. From the age of 50, insured persons can Buy pension points voluntarilyto z. B. to compensate for the discounts in the event of an early retirement or increase the pension. A pension point costs 2025 9,391.70 euros. So with 30,000 euros you could round Buy 3.19 pension pointswhat your monthly pension around approx. 130 euros gross would increase. Important: The application runs through German pension insurance, and the contributions must be paid at once or in installments within a year.