Part of the topic: 💶 Taxes & salary
Pension net calculator 2026 (Rente netto)
Enter your monthly gross statutory pension and the year it started. The calculator deducts health and long-term care insurance and estimates income tax using the taxable share for your retirement year.
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🔒 Runs entirely in your browser – nothing you enter is uploaded or stored.
How to use it
- Enter your monthly gross pension from your pension notice.
- Choose the year your pension started and your health insurance additional rate.
- Read your net pension and whether income tax is due.
How are pensions taxed in Germany?
Since 2005 pensions have been moved step by step to deferred taxation: people who retired in 2005 or earlier pay tax on 50% of their pension, those starting in 2026 on 84%. The tax-free part is fixed as a euro amount in the first full pension year and applies for life.
Tax is only due when taxable income exceeds the basic allowance – €12,348 for singles and €24,696 for married couples in 2026. Many pensioners with an average pension and no other income therefore pay little or no income tax.
Last checked: October 2026 · Based on: § 22 German Income Tax Act (taxable share of pensions); 2026 health/care rates. Found a mistake? Use the form below – we fix confirmed errors and update the date.
Frequently asked questions
Do pensioners pay tax in Germany?
Yes, if the taxable part of all income exceeds the basic allowance (€12,348 in 2026). The taxable part of the pension depends on the year retirement started – 84% for people retiring in 2026.
Which contributions are deducted from the pension?
Health insurance (7.3% plus half the additional rate) and the full long-term care rate of 3.6% (4.2% for childless people). There are no pension or unemployment contributions.
Why does my tax rise although my pension rises only slightly?
The tax-free part of the pension is fixed as a euro amount. Every pension increase is therefore fully taxable.