Calculate pension points 2025: How your pension amount is determined
If you want to better estimate your future pension, you need to know how pension points will be calculated in 2025. Key factors include your personal gross income, the average salary of all insured persons, and the current pension point value in 2025. In this guide, you will learn how much a pension point is worth in 2025, how many earnings points you accumulate per year, and how you can estimate: How much pension will I receive later?
In this article, you will learn everything about calculating pension points, the most important influencing factors, and practical examples – including tips for private provision with solutions such as the Gardia emergency bracelet.
What are pension points?
Pension points reflect the ratio of your own income to the average income of all statutory pension insured persons.
- If you earn exactly the average, you receive 1 pension point per year.
- If your income is twice as high, you receive 2 pension points.
- If your income is half of the average earnings, this corresponds to 0.5 pension points.
Periods without employment can also be taken into account, such as childcare or caring for relatives. This ensures that socially relevant contributions are not disadvantaged.
How much is a pension point worth in 2025?
Many insured individuals are looking for the pension point value 2025 because it directly determines the amount of their future monthly pension. One earning point is multiplied by the current pension value.
-
Until June 30, 2025: 1 pension point = 39.32 Euros gross monthly pension
-
From July 1, 2025: 1 pension point = 40.79 Euros gross monthly pension
This means: For example, someone who has accumulated 30 pension points will receive around 1,223.70 Euros gross monthly pension from July 2025, before deductions, surcharges, and contributions for health and long-term care insurance. The value of a pension point in 2025 is therefore one of the most important calculation factors for personal pension planning.
More than just an emergency bracelet
Your pension points and pension amount provide you with financial security – but protection is also important in everyday life. With the Gardia emergency bracelet, you can secure yourself at any time and quickly call for help in an emergency. This way, you can enjoy your retirement worry-free and maintain your independence.
The Pension Formula
The pension formula transparently shows how the monthly pension is calculated:
Pension points × access factor × current pension value × pension type factor = monthly pension
Each factor is crucial:
- Pension points reflect your working and contribution periods.
- Access factor considers your retirement or a survivor's pension.
- Current pension value ensures that the pension is adjusted to today's monetary value.
- Pension type factor adjusts the pension to the type of pension (e.g., old-age pension, reduced earning capacity pension).
Average Salary for 1 Pension Point 2025
If you want to know how pension points are calculated, you should understand the principle behind average earnings: To earn 1 full pension point, you must earn approximately as much as the average of all statutorily insured pensioners in a year.
According to Deutsche Rentenversicherung, the relevant average earnings for 2025 are currently 51,944 Euros gross per year. Overviews of pension insurance for 2025 also mention a provisional average income of 50,493 Euros. The key takeaway is: If you earn approximately the average income in a year, you receive 1.0 earnings point. If your income is below or above this, the number of pension points will increase or decrease accordingly.
Example:
- Annual gross 51,944 Euros → 1.0 pension point
- Annual gross 25,972 Euros → 0.5 pension points
- Annual gross 103,888 Euros → 2.0 pension points
Factors Affecting Your Pension Points
Income
The amount of your income significantly determines how many pension points you accumulate. The relevant factor is your income subject to contributions, i.e., salary, wages, or income from self-employment. Private earnings, gifts, or capital gains are not included.
In the new federal states, an uprating factor ensures that historically lower incomes are compensated.
Contribution Periods
Contribution periods are all the years in which you pay into the pension insurance scheme, e.g., through employment or self-employment. Substitute periods such as child-rearing, caring for relatives, military or civilian service, unemployment, or training periods are also taken into account.
Each period has a positive effect on your pension points and ensures a fair calculation of your later pension.
Access factor
The access factor takes into account the individual retirement age and compensates for different pension reference periods. Those who retire earlier receive deductions of 0.3% per month, while a later retirement results in surcharges of 0.5% per month.
Survivor's pensions are also adjusted via the access factor, so that the monthly pension is calculated fairly and stably.
Current pension value
The current pension value determines how much a pension point is worth in euros. From July 2025, it will be 40.79 euros. The value is adjusted annually to account for rising living costs and developments in average salaries. Thus, the pension value reflects the real equivalent of the earnings points and ensures that pensions remain inflation-adjusted. It is a key factor for calculating the pension amount in 2025.
Pension Type Factor
The pension type factor determines how the pension compares to the old-age pension. For the old-age pension, it is 1.0. Other types of pensions, such as full or partial disability pensions, survivor's pensions, or orphan's pensions, have staggered values between 0.1 and 0.6. This ensures that different pension types are appropriately taken into account, resulting in a fair calculation of pension amounts. This allows insured individuals to realistically estimate the exact amount of their individual pension.
The basic pension (Grundrente) has been in place since 2019. Anyone who can prove at least 33 years of basic pension entitlement and has worked for a long time with below-average income automatically receives a supplement to their pension points.
Pension Points Table 2025
This is how much monthly gross pension you receive per pension point (as of July 2025 – €40.79 per point):
-
5 pension points: approx. €203.95 monthly
-
10 pension points: approx. €407.90 monthly
-
20 pension points: approx. €815.80 monthly
-
25 pension points: approx. €1,019.75 monthly
-
30 pension points: approx. €1,223.70 monthly
-
35 pension points: approx. €1,427.65 monthly
-
40 pension points: approx. €1,631.60 monthly
-
45 pension points: approx. €1,835.55 monthly
Important: The actual pension amount may vary depending on the start of your pension, deductions, and social security contributions. The values serve as a guide.
How much pension will I receive?
If you're asking yourself "How much pension will I receive?", you can roughly estimate your statutory monthly pension with a simple rule of thumb:
Number of pension points × current pension value = approximate gross monthly pension
Examples from July 1, 2025:
- 20 pension points = approx. 815.80 Euros
- 30 pension points = approx. 1,223.70 Euros
- 40 pension points = approx. 1,631.60 Euros
- 45 pension points = approx. 1,835.55 Euros
Since July 1, 2025, the current pension value has been 40.79 Euros. Previously, it was 39.32 Euros in the first half of 2025.
Conclusion: Understanding and preparing for pension credits
Pension points form the basis of your future pension. Those who understand early on how to calculate pension points can make targeted provisions and better estimate their pension amount in 2025. In addition to financial security, personal security in old age also plays a role: The Gardia emergency wristband supports you in everyday life, increases self-determination and provides more peace and security in old age.
FAQ / Frequently Asked Questions
What are pension points and why are they important?
Pension points (also known as earnings points) reflect the ratio of your income to the average earnings of all pension insured individuals. They form the basis for calculating the pension amount in 2025. The more points you accumulate, the higher your future pension will be.
How are pension points calculated?
Pension points are calculated based on your annual earnings in relation to the average income of all insured persons. This also includes substitute periods such as raising children, caring for relatives, or military and civilian service. The formula is:
Pension points × access factor × current pension value × pension type factor = monthly pension.
What factors influence pension points?
Key factors are:
- Your income
- Your contribution periods
- Basic pension periods for long-term low incomes
- Access factor (pension commencement)
- Current pension value
- Pension type factor (various types of pensions)
What is the basic pension and who is eligible for it?
The basic pension supports individuals who have worked for over 33 years but had below-average incomes. They automatically receive a supplement to their pension points without having to submit an additional application.
How does the access factor affect my pension?
The access factor adjusts the pension to the individual retirement age. Those who retire earlier receive deductions, while those who start later receive surcharges. Survivor's pensions are also adjusted using this factor.
