Pension value development by 2030 (Image: Vlada Karpovich, Pexels)
Anyone who thinks about the pension of tomorrow today cannot avoid a number: the pension value.
Because exactly this value decides what ends up in the account. The good news: the pension value will probably increase significantly by 2030.
The bad: the real purchasing power could still be left behind.
What is the pension value?
The pension value is the heart of the pension system.
It determines how much a fee is worth – how many average earnings will retire. The higher the pension value, the more there is an age per collected point.
This pension value is currently nationwide 39.32 € (As of: 2024). From the July 1, 2025, according to the regulation, he increases to € 40.79 – That corresponds to a plus of 3.74 %. This means that a uniform pension value applies all over Germany – East and West are finally equivalent.
How much is a pension point worth today?
A Pension point Brings you up to date – from July 2025 – monthly € 40.79 gross.
Who z. B. 45 earnings points have collected, can be over a Gross tores of € 1,835.55 be happy. Sounds solid – but the value alone is not enough to secure purchasing power. Because: At the same time, the pension level continues to drop.
Forecast: How will the pension value develop by 2030?
According to current model calculations, the pension value will increase moderately in the coming years.
This is mainly due to the expected wages. The calculation formula for pension adjustments is finally based on general wage development.
The bottom line is that an increase of round 18 % Compared to the current value of 2024.
Because that Pension level – the relationship between standard pension and average wage – should only be done by 2030 44.5 % sink. Means: Despite increasing pension values, real protection shrinks in old age.
These factors have the pension value
How the pension value develops depends on several factors. At the forefront: the Wage development in Germany.
If wages rise, the pensions usually increase. In addition, the one also plays Contribution rate to pension insurance and the so -called Sustainability factor a role. The latter ensures that demographic changes – i.e. the ratio of pensioners and contributors – are considered in the calculation.
Wages, pension level and inflation: three decisive adjustment screws
The wage development is central to the pension adjustment.
The more income increases, the more scope there is for a pension increase. But: the more older people retire at the same time, the more the system is under pressure. And that happens right now – because that Baby boomer Say goodbye to retirement in rows. While six contributors came to a pensioner in 1962, it will probably be in 2030 only 1.5 be.
At the same time, the so -called Pension leveli.e. the ratio of the standard pension to the average income. That means: even if the pensions rise nominal, their loses theirs Purchasing power – because the price increase is often faster.
Anyone who will retire in the future can open up Higher numbers on paper Set – but not necessarily on more money in your wallet. The combination of falling pension level, rising Living costs And higher taxes reduces the effect of pension increases.
Reforms: What could change in the future in the future
The pension fund is under pressure – that is no longer a secret. Fewer and fewer contributors have to finance more pensions.
No wonder that politicians and experts regularly bring new ideas to the table to make the system future -proof.
By 2025 everything remains stable: the pension level must not be under 48 % fall, and the contribution rate should be the brand of 20 % do not exceed. These two “stop lines” were legally determined in the current pension package. But what happens afterwards?
The President of the Federal Social Court, Rainer Schlegel, recently summed it up: without another Raising the retirement age it will probably no longer work from 2030. However, he considers a pension at 70 to be politically incomprehensible – at least at the moment.
Various reform ideas are discussed so that the pension will still be safe in 20 or 30 years. Below:
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Pairing the retirement age to life expectancy: If you live longer, you should also work longer – automatically. This so -called indexing would be a simple but effective lever.
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Higher pension level through tax money: Sounds good, but costs a lot. A permanent increase to z. B. 46 % would be around the state annually 17.5 billion euros extra costs. At 50 % pension level Would it even be 38 billion euros – every year.
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New pension formula: Changes to the previous pension adjustment formula are also being discussed. Goal: Make the system more robust without overwhelming individual groups.
The German Bundesbank There is clearly a higher retirement age – as just and generational solution. If you live longer, you should also work for a few years longer, but will also receive more pension later.
Conclusion: Private pension provision remains mandatory
The statutory pension will increase arithmetically in the next few years – but the increasing living costs, the falling number of contributors and the demographic imbalance make it clear: Nobody should rely on the legal pension alone.
Anyone who is 30, 40 or 50 years old today should urgently provide privately – with a company pension, ETFs, fund savings plans or real estate. The pension value may increase – but that’s not enough to keep the standard of living in old age.
The pension policy must add. And each one too.