The statutory pension in Germany is based on a simple system – but the effects in detail are anything but simple.
Anyone who regularly pays contributions to pension insurance for many years collects so -called pension points.
And it is precisely these points that decide how high your monthly retirement pension is in the end. In the case of 30 pension points If there is a concrete gross dent – but what is actually left in the end depends on several factors: tax, social security levies, regional differences, your personal employment biography and the time of the start of the pension.
And now we look at that step by step.
Basic principle: what a pension point is worth – and how you got to the 30 pension points
If you have collected 30 pension points, this means in practice: You have earned the average wage in Germany for 30 years over the course of your working life – or the sum from your contribution years gives this value.
According to the extrapolation, the average fee for 2025 is € 50,493 gross annually – around € 4,208 a month. If you earn this amount in a year, there is exactly a pension point. If they are below it, they are less credited, they are above it, accordingly more – but at the maximum up to the contribution ceiling.
The value of a single pension point increases to € 40.79 per month from July 2025 – this is your pension block per point, regardless of whether you have acquired this point in 1995 or 2025. If you multiply this value by 30 points, there is a gross torment of € 1,223.70 per month. That is the starting point – but just gross.
Example calculation: this means 30 pension points
| Average fee 2025 | € 50,493 per year / € 4207.75 per month |
| Pension value from July 2025 | € 40.79 per pension point and month |
| Number of pension points | 30 |
| Gross tores (30 × 40.79 €) | € 1,223.70 per month |
| Annual gross dent | € 14,684.40 |
| Tax -liable share (83.5 %) | € 12,262.97 |
| Deductible flat rates | € 138 (advertising costs + special expenses) |
| Taxable income | € 12,124.97 |
| Income tax (approx.) | € 427 annually / € 35.58 per month |
| Health insurance (10.15 %) | € 1,490.50 annually / € 124.21 per month |
| Nursing insurance (3.6 %) | € 528.64 annually / € 44.05 per month |
| Net duck (after all deductions) | € 1,019.85 per month / € 12,238.26 annually |
Important to know: pension, discounts, regional effects
The invoice above only applies if you retire exactly to the legally provided retirement age.
Anyone who stops earlier – for example with 63 instead of 67 – must count on discounts: 0.3 % less per month, a maximum of 14.4 % overall. Whoever goes later gets surcharges.
Another point: Even if the pension value has been the same in East and West since 2024, differences in the employment biography continue to be noticeable.
Anyone who has worked most of their professional life in East Germany will receive an average of 30 pension points around € 134 less than someone with a West German acquisition biography – because in the past he earns less and fewer points were collected per year.
Nettor ducks: What really remains after taxes and social security contributions
Now it will be exciting: How much of the € 1,223.70 gross is left every month?
Here several posts come into play.
First: taxes. The so -called downstream taxation has been in effect since 2005. For 2025, this means: 83.5 % of their gross density is taxable. However, you can deduct certain flat rates – such as the flat rate of advertising costs (€ 102) and special expenses (€ 36). In our calculation example, € 12,124.97 remain taxable annual income, which will then due around € 427 income tax – i.e. a good € 35 a month.
In addition, there are compulsory contributions to health and long-term care insurance. Average pensioners have to pay 10.15 % to the health insurance company (including additional contribution), plus 3.6 % long -term care insurance (without children). Together this means: around € 1,490 KV and € 528 PV annually – or approx. € 124 + € 44 per month. If you collect everything together, the originally € 1,223.70 gross remains a net dent of € 1,019.85.
The comparison: What do others make of it – and where do they stand with 30 pension points?
According to the forecast, the average old -age pension is around € 1,250.
With 30 pension points and € 1,223.70 gross, they are slightly below – net probably a little clearer. This is not dramatic, but it shows that with 30 points they are approximately in midfield, maybe even a little below. Such positions particularly often occur in people who have worked part -time, have gone through longer training phases or were temporarily employed at times.
There are still differences between men and women. Men receive an average of € 1,350, women around € 1,080. With their 30 points, as a woman, they are probably slightly above the cut – slightly below as a man.