Part of the topic: 💶 Taxes & salary
Retirement age calculator (Germany)
Enter your date of birth. The calculator shows the first month of your standard pension and the earliest dates for early retirement after 35 and 45 insurance years – including the pension deduction.
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🔒 Runs entirely in your browser – nothing you enter is uploaded or stored.
How to use it
- Enter your date of birth.
- Read the start of your standard pension and the early-retirement options.
- Check the required insurance years in your pension statement (Renteninformation).
Last checked: October 2026 · Based on: §§ 35–38, 77, 235–237 German Social Code VI. Found a mistake? Use the form below – we fix confirmed errors and update the date.
Frequently asked questions
When can I retire in Germany?
The standard retirement age rises gradually to 67; everyone born in 1964 or later reaches it at 67. With 35 insurance years you can retire from 63 with a deduction, with 45 years without deduction two years before the standard age (at 65 from birth year 1964).
How high is the deduction for early retirement?
0.3% for every month you retire before the standard age – up to 14.4% for four years. The deduction applies for the rest of your life.
Can I work alongside my pension?
Since 2023 there is no earnings limit for early retirement pensions. From 2026, people who keep working after reaching the standard age can earn up to €2,000 a month tax-free (Aktivrente).