Pension: If your salary is this high, you have a good pension

pension calculator

Retirement: With this salary, you will get a good pension later

Retirement age: when to retire

Retirement age: when to retire

The retirement age regulates when you can stop working. The video explains which birth cohorts can actually retire without deductions.

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Grow old without worries – this is only possible with a good pension. But how much do you need to earn per month for this? Our table shows it.

Berlin.

  • For many people, the pension is barely enough to live on
  • This is because they were often paid too little in their working life
  • How much do you need to earn to get a good pension?

After decades of work would like to pensioners and Pensioner can enjoy their pension. The prerequisite for this is a pension sufficient to finance living expenses and perhaps a trip or two. Many factors determine the level of pension payments – the most important of which is, of course, salary.

that German pension insurance (DRV) puts this in relation to the average salary for everyone with statutory health insurance and uses this to calculate the monthly pension. Each year that an insured pays in corresponds exactly to one pension point – if the person has earned the average gross salary. According to DRV, it is provisionally 3176.5 euros per month in 2022. (3242 euros west and 3111 euros east). A pension point is currently worth 34.19 euros in the West and 33.47 euros in the East. The lower the salary compared to the average, the fewer pension points there are.






Pension: This is what the average wage earner gets after 45 years of work

The so called basic pension Used. It is the pension payment that an employee receives 45 Paid into the pension insurance for years and exactly that average gross salary served.


It is basically a model pensioner who does not have to take deductions because he earned less than the average or retired before the normal retirement age. This gives him one for each of his 45 years pension points well written. The monthly basic pension in 2022 is 1538.55 euros in the West and 1506.15 euros in the East – gross.


Pension: Less than 2400 euros monthly salary can mean poverty

that basic pension is therefore about 500 euros above that threshold for risk of poverty, which according to the Federal Statistical Office is 1074 euros per month.

The situation is different for people who in their 45 years of working life have earned an average monthly salary of approx. 2200 euros gross or less. They would end up below the at-risk-of-poverty line.

Just above the threshold would e.g bakers land. According to the last major survey by the Federal Statistical Office in 2018, they earn an average of 2383 euros gross with 40 hours of work per week. After 45 years, they would receive a monthly pension of 1154 euros in the west and 1129 euros in the East.


shaves and shaves from North Rhine-Westphalia even get an average of just 1750 euros gross for 40 hours a week at the end of the month. If you pay 45 years of this into the pension insurance, it gives a monthly pension of 847 euros in the West and 830 euros in the East.

gross monthly salary

Monthly pension after 45 years West

Monthly pension after 45 years East

1500

727

711

1750

848

830

2000

968

948

2250

1090

1067

2500

1210

1185

2750

1331

1303

3000

1453

1422

3250

1574

1541

3500

1695

1660

3750

1816

1778

4000

1937

1897

5000

2422

2371


The SPD, FDP and the Greens are examining the pension reform

For future pensioners up to retirement change a lot though. Because one of the main goals of the traffic light coalition is the reform of the pension system. And that too minimum wage will rise to twelve euros according to the will of the SPD, the Greens and the FDP – which would not help everyone, but at least workers in precarious circumstances.




This article first appeared on morgenpost.de.



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