{"id":986,"date":"2026-07-30T05:22:53","date_gmt":"2026-07-30T05:22:53","guid":{"rendered":"https:\/\/profinanzrechner.de\/?page_id=986"},"modified":"2026-08-10T07:13:48","modified_gmt":"2026-08-10T07:13:48","slug":"calculate-pension-tax","status":"publish","type":"post","link":"https:\/\/profinanzrechner.de\/en\/calculate-pension-tax\/","title":{"rendered":"Calculate Pension Tax"},"content":{"rendered":"<style>.kb-row-layout-id986_0126d7-b0 > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id986_0126d7-b0 > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id986_0126d7-b0 > .kt-row-column-wrap{column-gap:var(--global-kb-gap-md, 2rem);row-gap:var(--global-kb-gap-md, 2rem);padding-top:var(--global-kb-spacing-lg, 3rem);padding-bottom:var(--global-kb-spacing-lg, 3rem);grid-template-columns:minmax(0, 1fr);}.kb-row-layout-id986_0126d7-b0 > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){.kb-row-layout-id986_0126d7-b0 > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}@media all and (max-width: 767px){.kb-row-layout-id986_0126d7-b0 > .kt-row-column-wrap{padding-top:var(--global-kb-spacing-lg, 3rem);padding-bottom:var(--global-kb-spacing-sm, 1.5rem);grid-template-columns:minmax(0, 1fr);}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id986_0126d7-b0 alignnone wp-block-kadence-rowlayout\"><div class=\"kt-row-column-wrap kt-has-1-columns kt-row-layout-equal kt-tab-layout-inherit kt-mobile-layout-row kt-row-valign-top\">\n<style>.kadence-column986_e33bf9-53 > .kt-inside-inner-col,.kadence-column986_e33bf9-53 > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column986_e33bf9-53 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column986_e33bf9-53 > .kt-inside-inner-col{flex-direction:column;}.kadence-column986_e33bf9-53 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column986_e33bf9-53 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column986_e33bf9-53{position:relative;}@media all and (max-width: 1024px){.kadence-column986_e33bf9-53 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column986_e33bf9-53 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column986_e33bf9-53\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-advancedheading.kt-adv-heading986_84a4a3-c3, .wp-block-kadence-advancedheading.kt-adv-heading986_84a4a3-c3[data-kb-block=\"kb-adv-heading986_84a4a3-c3\"]{text-align:center;font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading986_84a4a3-c3 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading986_84a4a3-c3[data-kb-block=\"kb-adv-heading986_84a4a3-c3\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading986_84a4a3-c3 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading986_84a4a3-c3[data-kb-block=\"kb-adv-heading986_84a4a3-c3\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<h1 class=\"kt-adv-heading986_84a4a3-c3 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading986_84a4a3-c3\">Calculate Pension Tax Germany<\/h1>\n\n\n    <div id=\"rentensteuer-rechner\" class=\"calc-wrapper\">\r\n\r\n        <p class=\"calc-title\">Calculate Pension Tax - Pension Tax Calculator<\/p>\r\n        <p class=\"calc-intro\">Calculate which part of your pension is taxable and how high your tax burden will be, including the active-pension allowance.<\/p>\r\n   \r\n        <div class=\"calc-row\">\r\n            <!-- Column 1: Statutory pension -->\r\n            <div class=\"calc-col\">\r\n                <label>Marital Status<\/label>\r\n                <div class=\"calc-radio\" id=\"rr_familienstand\">\r\n                    <label class=\"calc-check\"><input type=\"radio\" name=\"rr_familienstand\" value=\"single\" checked> Single<\/label>\r\n                    <label class=\"calc-check\"><input type=\"radio\" name=\"rr_familienstand\" value=\"ehepaar\"> Married couple (joint assessment)<\/label>\r\n                <\/div>\r\n\r\n                <label for=\"rr_rentenbeginn\">Year Pension Began<\/label>\r\n                <input type=\"number\" id=\"rr_rentenbeginn\" placeholder=\"2026\" min=\"1990\" max=\"2026\" step=\"1\">\r\n\r\n                <label for=\"rr_erste_rente\">First Full Gross Annual Pension (\u20ac)<\/label>\r\n                <input type=\"number\" id=\"rr_erste_rente\" placeholder=\"0\" min=\"0\" step=\"1\">\r\n\r\n                <label for=\"rr_aktuelle_rente\">Current Gross Annual Pension, Statutory (\u20ac)<\/label>\r\n                <input type=\"number\" id=\"rr_aktuelle_rente\" placeholder=\"0\" min=\"0\" step=\"1\">\r\n\r\n                <label for=\"rr_sonstige_rente\">Company Pension, Riester or Civil Servant Pension, Fully Taxable (\u20ac\/Year)<\/label>\r\n                <input type=\"number\" id=\"rr_sonstige_rente\" placeholder=\"0\" min=\"0\" step=\"1\">\r\n            <\/div>\r\n\r\n            <!-- Column 2: Other income & deductions -->\r\n            <div class=\"calc-col\">\r\n                <div class=\"rr-half-fields\">\r\n\r\n    <div class=\"rr-field\">\r\n        <label for=\"rr_private_rente\">Private Pension Insurance Income (\u20ac\/Year)<\/label>\r\n        <input type=\"number\" id=\"rr_private_rente\" placeholder=\"0\" min=\"0\" step=\"1\">\r\n    <\/div>\r\n\r\n    <div class=\"rr-field\">\r\n        <label for=\"rr_alter_rentenbeginn\">Your Age When This Private Pension Began<\/label>\r\n        <input type=\"number\" id=\"rr_alter_rentenbeginn\" placeholder=\"65\" min=\"0\" max=\"100\" step=\"1\">\r\n    <\/div>\r\n\r\n<\/div>\r\n                <label>Do You Also Work After Reaching the Standard Retirement Age? (Active Pension)<\/label>\r\n                <div class=\"calc-radio\" id=\"rr_aktivrente_aktiv\">\r\n                    <label class=\"calc-check\"><input type=\"radio\" name=\"rr_aktivrente_aktiv\" value=\"nein\" checked> No<\/label>\r\n                    <label class=\"calc-check\"><input type=\"radio\" name=\"rr_aktivrente_aktiv\" value=\"ja\"> Yes<\/label>\r\n                <\/div>\r\n\r\n\t\t\t\t\t\t\t<div class=\"rr-half-fields\">\r\n\r\n\t\t\t\t<div class=\"rr-field\">\r\n\t\t\t\t\t<label for=\"rr_aktivrente_lohn\">Gross Wage From This Employment (\u20ac\/Month)<\/label>\r\n\t\t\t\t\t<input type=\"number\" id=\"rr_aktivrente_lohn\" placeholder=\"0\" min=\"0\" step=\"1\">\r\n\t\t\t\t<\/div>\r\n\r\n\t\t\t\t<div class=\"rr-field\">\r\n\t\t\t\t\t<label for=\"rr_sonstige_einkuenfte\">Other Income, e.g. Rental (\u20ac\/Year)<\/label>\r\n\t\t\t\t\t<input type=\"number\" id=\"rr_sonstige_einkuenfte\" placeholder=\"0\" min=\"0\" step=\"1\">\r\n\t\t\t\t<\/div>\r\n\r\n\t\t\t\t<div class=\"rr-field\">\r\n\t\t\t\t\t<label for=\"rr_kvpv\">Basic Health and Long-Term Care Insurance Contributions (\u20ac\/Year)<\/label>\r\n\t\t\t\t\t<input type=\"number\" id=\"rr_kvpv\" placeholder=\"0\" min=\"0\" step=\"1\">\r\n\t\t\t\t<\/div>\r\n\r\n\t\t\t\t<div class=\"rr-field\">\r\n\t\t\t\t\t<label for=\"rr_behinderung\">Degree of Disability (GdB) per Official Notice<\/label>\r\n\t\t\t\t\t<select id=\"rr_behinderung\">\r\n\t\t\t\t\t\t<option value=\"0\">None<\/option>\r\n\t\t\t\t\t\t<option value=\"20\">20<\/option>\r\n\t\t\t\t\t\t<option value=\"30\">30<\/option>\r\n\t\t\t\t\t\t<option value=\"40\">40<\/option>\r\n\t\t\t\t\t\t<option value=\"50\">50<\/option>\r\n\t\t\t\t\t\t<option value=\"60\">60<\/option>\r\n\t\t\t\t\t\t<option value=\"70\">70<\/option>\r\n\t\t\t\t\t\t<option value=\"80\">80<\/option>\r\n\t\t\t\t\t\t<option value=\"90\">90<\/option>\r\n\t\t\t\t\t\t<option value=\"100\">100<\/option>\r\n\t\t\t\t\t<\/select>\r\n\t\t\t\t<\/div>\r\n\r\n\t\t\t<\/div>\r\n\r\n                <label>Church Tax<\/label>\r\n                <div class=\"calc-radio\" id=\"rr_kirche\">\r\n                    <label class=\"calc-check\"><input type=\"radio\" name=\"rr_kirche\" value=\"nein\" checked> No<\/label>\r\n                    <label class=\"calc-check\"><input type=\"radio\" name=\"rr_kirche\" value=\"ja\"> Yes<\/label>\r\n                <\/div>\r\n\r\n                <label for=\"rr_bundesland\">Federal State<\/label>\r\n                <select id=\"rr_bundesland\">\r\n                    <option value=\"8\">Baden-W\u00fcrttemberg<\/option>\r\n                    <option value=\"8\">Bavaria<\/option>\r\n                    <option value=\"9\">Berlin<\/option>\r\n                    <option value=\"9\">Brandenburg<\/option>\r\n                    <option value=\"9\">Bremen<\/option>\r\n                    <option value=\"9\">Hamburg<\/option>\r\n                    <option value=\"9\">Hesse<\/option>\r\n                    <option value=\"9\">Mecklenburg-Vorpommern<\/option>\r\n                    <option value=\"9\">Lower Saxony<\/option>\r\n                    <option value=\"9\">North Rhine-Westphalia<\/option>\r\n                    <option value=\"9\">Rhineland-Palatinate<\/option>\r\n                    <option value=\"9\">Saarland<\/option>\r\n                    <option value=\"9\">Saxony<\/option>\r\n                    <option value=\"9\">Saxony-Anhalt<\/option>\r\n                    <option value=\"9\">Schleswig-Holstein<\/option>\r\n                    <option value=\"9\">Thuringia<\/option>\r\n                <\/select>\r\n            <\/div>\r\n        <\/div>\r\n\r\n        <div class=\"calc-actions\">\r\n            <button class=\"calc-btn calc-btn-primary rr-btn-calc\">Calculate<\/button>\r\n            <button class=\"calc-btn calc-btn-ghost rr-btn-clear\">Reset<\/button>\r\n        <\/div>\r\n\r\n        <div class=\"calc-results two-per-row rr-results\"><\/div>\r\n        <div class=\"rr-hinweis\"><\/div>\r\n    <\/div>\r\n    \n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading986_b1a363-4f, .wp-block-kadence-advancedheading.kt-adv-heading986_b1a363-4f[data-kb-block=\"kb-adv-heading986_b1a363-4f\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading986_b1a363-4f mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading986_b1a363-4f[data-kb-block=\"kb-adv-heading986_b1a363-4f\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading986_b1a363-4f img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading986_b1a363-4f[data-kb-block=\"kb-adv-heading986_b1a363-4f\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<p class=\"kt-adv-heading986_b1a363-4f wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading986_b1a363-4f\">The German pension system is regarded as one of the best in Europe, since it provides comprehensive retirement provision and guarantees people a secure income in retirement or in the event of incapacity to work. However, pensions in Germany are not entirely tax-free. Under German law, pensions are treated as taxable income, which means pensioners must declare the taxable portion of their pension in their tax return.<\/p>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading986_a8f71c-65, .wp-block-kadence-advancedheading.kt-adv-heading986_a8f71c-65[data-kb-block=\"kb-adv-heading986_a8f71c-65\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading986_a8f71c-65 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading986_a8f71c-65[data-kb-block=\"kb-adv-heading986_a8f71c-65\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading986_a8f71c-65 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading986_a8f71c-65[data-kb-block=\"kb-adv-heading986_a8f71c-65\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<p class=\"kt-adv-heading986_a8f71c-65 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading986_a8f71c-65\">Navigating tax law can be complicated for people in retirement, since pension taxation follows its own rules that differ significantly from standard wage tax. This is exactly where our calculate pension tax comes in. It helps both current pensioners and those approaching retirement understand which part of their pension actually needs to be taxed and how much net income remains afterward. You can find more tax and <a href=\"https:\/\/profinanzrechner.de\/en\/\" data-type=\"page\" data-id=\"141\">finance calculators<\/a> on Profinanzrechner.<\/p>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading986_ca7fb7-f3, .wp-block-kadence-advancedheading.kt-adv-heading986_ca7fb7-f3[data-kb-block=\"kb-adv-heading986_ca7fb7-f3\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading986_ca7fb7-f3 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading986_ca7fb7-f3[data-kb-block=\"kb-adv-heading986_ca7fb7-f3\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading986_ca7fb7-f3 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading986_ca7fb7-f3[data-kb-block=\"kb-adv-heading986_ca7fb7-f3\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<p class=\"kt-adv-heading986_ca7fb7-f3 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading986_ca7fb7-f3\">Several factors play a role in the taxation of pensions in Germany, such as the year retirement began, marital status, degree of disability, and any additional employment during retirement. This article explains all the important factors that affect your pension and its taxation. With our free calculator for calculate pension tax, you can calculate your personal situation flexibly at any time.<\/p>\n<\/div><\/div>\n\n<\/div><\/div>\n\n<style>.kb-row-layout-id986_58e720-51 > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id986_58e720-51 > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id986_58e720-51 > .kt-row-column-wrap{column-gap:var(--global-kb-gap-md, 2rem);row-gap:var(--global-kb-gap-md, 2rem);max-width:var( --global-content-width, 1290px );padding-left:var(--global-content-edge-padding);padding-right:var(--global-content-edge-padding);padding-top:var(--global-kb-spacing-lg, 3rem);padding-bottom:var(--global-kb-spacing-lg, 3rem);}.kb-row-layout-id986_58e720-51 > .kt-row-column-wrap > *:nth-child(3n of *:not(style)){grid-column:1 \/ -1;}.kb-row-layout-id986_58e720-51 > .kt-row-column-wrap{grid-template-columns:repeat(2, minmax(0, 1fr));}.kb-row-layout-id986_58e720-51 > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){.kb-row-layout-id986_58e720-51 > .kt-row-column-wrap > *:nth-child(3n of *:not(style)){grid-column:1 \/ -1;}}@media all and (max-width: 1024px){.kb-row-layout-id986_58e720-51 > .kt-row-column-wrap{grid-template-columns:repeat(2, minmax(0, 1fr));}}@media all and (max-width: 767px){.kb-row-layout-id986_58e720-51 > .kt-row-column-wrap{padding-top:var(--global-kb-spacing-lg, 3rem);grid-template-columns:minmax(0, 1fr);}.kb-row-layout-id986_58e720-51 > .kt-row-column-wrap > div:not(.added-for-specificity){grid-column:initial;}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id986_58e720-51 alignfull has-theme-palette7-background-color kt-row-has-bg wp-block-kadence-rowlayout\"><div class=\"kt-row-column-wrap kt-has-3-columns kt-row-layout-last-row kt-tab-layout-inherit kt-mobile-layout-row kt-row-valign-top kb-theme-content-width\">\n<style>.kadence-column986_fab099-40 > .kt-inside-inner-col,.kadence-column986_fab099-40 > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column986_fab099-40 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column986_fab099-40 > .kt-inside-inner-col{flex-direction:column;}.kadence-column986_fab099-40 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column986_fab099-40 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column986_fab099-40{position:relative;}@media all and (max-width: 1024px){.kadence-column986_fab099-40 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column986_fab099-40 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column986_fab099-40\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-advancedheading.kt-adv-heading986_8ff016-0a, .wp-block-kadence-advancedheading.kt-adv-heading986_8ff016-0a[data-kb-block=\"kb-adv-heading986_8ff016-0a\"]{text-align:left;font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading986_8ff016-0a mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading986_8ff016-0a[data-kb-block=\"kb-adv-heading986_8ff016-0a\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading986_8ff016-0a img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading986_8ff016-0a[data-kb-block=\"kb-adv-heading986_8ff016-0a\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<h2 class=\"kt-adv-heading986_8ff016-0a wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading986_8ff016-0a\">How Does Pension Taxation Actually Work?<\/h2>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading986_f1d741-45, .wp-block-kadence-advancedheading.kt-adv-heading986_f1d741-45[data-kb-block=\"kb-adv-heading986_f1d741-45\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading986_f1d741-45 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading986_f1d741-45[data-kb-block=\"kb-adv-heading986_f1d741-45\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading986_f1d741-45 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading986_f1d741-45[data-kb-block=\"kb-adv-heading986_f1d741-45\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<p class=\"kt-adv-heading986_f1d741-45 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading986_f1d741-45\">In Germany, pensions are not simply taxed like a normal salary. Since the Retirement Income Act (Alterseink\u00fcnftegesetz) of 2005, so-called deferred taxation applies. This means that during your working life, contributions to pension insurance were tax-privileged, and in return, the later pension is partially taxed.<\/p>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading986_411708-4d, .wp-block-kadence-advancedheading.kt-adv-heading986_411708-4d[data-kb-block=\"kb-adv-heading986_411708-4d\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading986_411708-4d mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading986_411708-4d[data-kb-block=\"kb-adv-heading986_411708-4d\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading986_411708-4d img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading986_411708-4d[data-kb-block=\"kb-adv-heading986_411708-4d\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<p class=\"kt-adv-heading986_411708-4d wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading986_411708-4d\">The decisive factor here is the so-called taxable percentage. It is based on the year your pension first began and remains fixed for you for life.<\/p>\n<\/div><\/div>\n\n\n<style>.kadence-column986_400d1c-ce > .kt-inside-inner-col,.kadence-column986_400d1c-ce > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column986_400d1c-ce > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column986_400d1c-ce > .kt-inside-inner-col{flex-direction:column;}.kadence-column986_400d1c-ce > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column986_400d1c-ce > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column986_400d1c-ce{position:relative;}@media all and (max-width: 1024px){.kadence-column986_400d1c-ce > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column986_400d1c-ce > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column986_400d1c-ce\"><div class=\"kt-inside-inner-col\"><style>.kb-image986_dfbc07-14 .kb-image-has-overlay:after{opacity:0.3;border-top-left-radius:5px;border-top-right-radius:5px;border-bottom-right-radius:5px;border-bottom-left-radius:5px;}.kb-image986_dfbc07-14 img.kb-img, .kb-image986_dfbc07-14 .kb-img img{border-top-left-radius:5px;border-top-right-radius:5px;border-bottom-right-radius:5px;border-bottom-left-radius:5px;box-shadow:1px 8px 24px -4px rgba(0, 0, 0, 0.3);}<\/style>\n<div class=\"wp-block-kadence-image kb-image986_dfbc07-14\"><figure class=\"aligncenter\"><img decoding=\"async\" width=\"1080\" height=\"608\" src=\"https:\/\/profinanzrechner.de\/en\/wp-content\/uploads\/sites\/3\/2026\/07\/retirement-calculate-pension-taxation.webp\" alt=\"Calculate Pension Tax for calculating pension taxes\" class=\"kb-img wp-image-1703\" title=\"\" srcset=\"https:\/\/profinanzrechner.de\/en\/wp-content\/uploads\/sites\/3\/2026\/07\/retirement-calculate-pension-taxation.webp 1080w, https:\/\/profinanzrechner.de\/en\/wp-content\/uploads\/sites\/3\/2026\/07\/retirement-calculate-pension-taxation-300x169.webp 300w, https:\/\/profinanzrechner.de\/en\/wp-content\/uploads\/sites\/3\/2026\/07\/retirement-calculate-pension-taxation-1024x576.webp 1024w, https:\/\/profinanzrechner.de\/en\/wp-content\/uploads\/sites\/3\/2026\/07\/retirement-calculate-pension-taxation-768x432.webp 768w\" sizes=\"(max-width: 1080px) 100vw, 1080px\" \/><\/figure><\/div>\n<\/div><\/div>\n\n\n<style>.kadence-column986_864e97-99 > .kt-inside-inner-col,.kadence-column986_864e97-99 > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column986_864e97-99 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column986_864e97-99 > .kt-inside-inner-col{flex-direction:column;}.kadence-column986_864e97-99 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column986_864e97-99 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column986_864e97-99{position:relative;}@media all and (max-width: 1024px){.kadence-column986_864e97-99 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column986_864e97-99 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column986_864e97-99\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-advancedheading.kt-adv-heading986_040060-17, .wp-block-kadence-advancedheading.kt-adv-heading986_040060-17[data-kb-block=\"kb-adv-heading986_040060-17\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading986_040060-17 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading986_040060-17[data-kb-block=\"kb-adv-heading986_040060-17\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading986_040060-17 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading986_040060-17[data-kb-block=\"kb-adv-heading986_040060-17\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<p class=\"kt-adv-heading986_040060-17 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading986_040060-17\">Anyone who starts receiving a statutory pension for the first time in 2026 must pay tax on 84 percent of their gross pension, while the remaining 16 percent remains permanently tax-free as a personal pension allowance. The taxable percentage has risen continuously over the years: until 2020 it increased by 2 percentage points annually, in 2021 and 2022 by 1 percentage point each, and since 2023 it has only been rising by 0.5 percentage points per year. Only those who retire in 2058 will have to pay tax on 100 percent of their statutory pension.<\/p>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading986_f2cc73-0b, .wp-block-kadence-advancedheading.kt-adv-heading986_f2cc73-0b[data-kb-block=\"kb-adv-heading986_f2cc73-0b\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading986_f2cc73-0b mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading986_f2cc73-0b[data-kb-block=\"kb-adv-heading986_f2cc73-0b\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading986_f2cc73-0b img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading986_f2cc73-0b[data-kb-block=\"kb-adv-heading986_f2cc73-0b\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<p class=\"kt-adv-heading986_f2cc73-0b wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading986_f2cc73-0b\">Important to know: the pension allowance is calculated only once, based on your first full gross annual pension. This amount is then fixed as a set euro figure and remains unchanged for the rest of your time receiving the pension. This means later pension increases flow entirely into the taxable portion of your pension, while the original allowance stays the same. Our calculate pension tax replicates exactly this mechanism.<\/p>\n<\/div><\/div>\n\n<\/div><\/div>\n\n<style>.kb-row-layout-id986_9dae67-b8 > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id986_9dae67-b8 > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id986_9dae67-b8 > .kt-row-column-wrap{column-gap:var(--global-kb-gap-md, 2rem);row-gap:var(--global-kb-gap-md, 2rem);padding-top:var(--global-kb-spacing-lg, 3rem);padding-bottom:var(--global-kb-spacing-lg, 3rem);grid-template-columns:minmax(0, 1fr);}.kb-row-layout-id986_9dae67-b8 > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){.kb-row-layout-id986_9dae67-b8 > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}@media all and (max-width: 767px){.kb-row-layout-id986_9dae67-b8 > .kt-row-column-wrap{padding-right:var(--global-kb-spacing-xxs, 0.5rem);padding-bottom:var(--global-kb-spacing-sm, 1.5rem);padding-left:var(--global-kb-spacing-xxs, 0.5rem);grid-template-columns:minmax(0, 1fr);}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id986_9dae67-b8 alignnone wp-block-kadence-rowlayout\"><div class=\"kt-row-column-wrap kt-has-1-columns kt-row-layout-equal kt-tab-layout-inherit kt-mobile-layout-row kt-row-valign-top\">\n<style>.kadence-column986_e1d0f4-4f > .kt-inside-inner-col,.kadence-column986_e1d0f4-4f > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column986_e1d0f4-4f > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column986_e1d0f4-4f > .kt-inside-inner-col{flex-direction:column;}.kadence-column986_e1d0f4-4f > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column986_e1d0f4-4f > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column986_e1d0f4-4f{position:relative;}@media all and (max-width: 1024px){.kadence-column986_e1d0f4-4f > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column986_e1d0f4-4f > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column986_e1d0f4-4f\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-advancedheading.kt-adv-heading986_631b8e-19, .wp-block-kadence-advancedheading.kt-adv-heading986_631b8e-19[data-kb-block=\"kb-adv-heading986_631b8e-19\"]{text-align:left;font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading986_631b8e-19 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading986_631b8e-19[data-kb-block=\"kb-adv-heading986_631b8e-19\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading986_631b8e-19 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading986_631b8e-19[data-kb-block=\"kb-adv-heading986_631b8e-19\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<h2 class=\"kt-adv-heading986_631b8e-19 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading986_631b8e-19\">Basic Tax-Free Allowance: When Do Pensioners Actually Become Liable for Tax?<\/h2>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading986_ce23bb-53, .wp-block-kadence-advancedheading.kt-adv-heading986_ce23bb-53[data-kb-block=\"kb-adv-heading986_ce23bb-53\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading986_ce23bb-53 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading986_ce23bb-53[data-kb-block=\"kb-adv-heading986_ce23bb-53\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading986_ce23bb-53 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading986_ce23bb-53[data-kb-block=\"kb-adv-heading986_ce23bb-53\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<p class=\"kt-adv-heading986_ce23bb-53 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading986_ce23bb-53\">The basic tax-free allowance (Grundfreibetrag) is a benefit granted to every individual in Germany. This amount is considered the subsistence minimum and is therefore tax-free. For 2026, the basic tax-free allowance is 12,348 euros for single people and 24,696 euros for married couples filing jointly. Only those whose total taxable income exceeds this amount are actually liable for tax. Since the government adjusts the basic tax-free allowance annually based on inflation and the cost of living, it&#8217;s worth always checking the current year&#8217;s figure when using a calculate pension tax tool.<\/p>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading986_27f6b4-4a, .wp-block-kadence-advancedheading.kt-adv-heading986_27f6b4-4a[data-kb-block=\"kb-adv-heading986_27f6b4-4a\"]{padding-top:var(--global-kb-spacing-lg, 3rem);text-align:left;font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading986_27f6b4-4a mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading986_27f6b4-4a[data-kb-block=\"kb-adv-heading986_27f6b4-4a\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading986_27f6b4-4a img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading986_27f6b4-4a[data-kb-block=\"kb-adv-heading986_27f6b4-4a\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<h2 class=\"kt-adv-heading986_27f6b4-4a wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading986_27f6b4-4a\">Progressive Income Tax Rates<\/h2>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading986_f86940-39, .wp-block-kadence-advancedheading.kt-adv-heading986_f86940-39[data-kb-block=\"kb-adv-heading986_f86940-39\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading986_f86940-39 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading986_f86940-39[data-kb-block=\"kb-adv-heading986_f86940-39\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading986_f86940-39 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading986_f86940-39[data-kb-block=\"kb-adv-heading986_f86940-39\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<p class=\"kt-adv-heading986_f86940-39 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading986_f86940-39\">Germany follows a progressive tax system, in which lower incomes are taxed at a lower rate and the tax rate increases as income rises. Like capital gains and rental income, the taxable portion of a pension counts as income that flows into this system. The applicable tax rate depends not only on the pension itself but on total taxable income, including company pensions, private pensions, or additional earnings. A reliable pension tax calculator must therefore take all these income sources into account together, not just the statutory pension alone.<\/p>\n\n\n<style>.kb-row-layout-id986_5df83f-cf > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id986_5df83f-cf > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id986_5df83f-cf > .kt-row-column-wrap{column-gap:var(--global-kb-gap-md, 2rem);row-gap:var(--global-kb-gap-md, 2rem);padding-top:var(--global-kb-spacing-lg, 3rem);grid-template-columns:repeat(2, minmax(0, 1fr));}.kb-row-layout-id986_5df83f-cf > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){.kb-row-layout-id986_5df83f-cf > .kt-row-column-wrap{grid-template-columns:repeat(2, minmax(0, 1fr));}}@media all and (max-width: 767px){.kb-row-layout-id986_5df83f-cf > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id986_5df83f-cf alignnone wp-block-kadence-rowlayout\"><div class=\"kt-row-column-wrap kt-has-2-columns kt-row-layout-equal kt-tab-layout-inherit kt-mobile-layout-row kt-row-valign-top kt-inner-column-height-full\">\n<style>.kadence-column986_bf4cd2-32 > .kt-inside-inner-col{padding-top:var(--global-kb-spacing-sm, 1.5rem);padding-right:var(--global-kb-spacing-sm, 1.5rem);padding-bottom:var(--global-kb-spacing-sm, 1.5rem);padding-left:var(--global-kb-spacing-sm, 1.5rem);}.kadence-column986_bf4cd2-32 > .kt-inside-inner-col{box-shadow:0px 0px 14px 0px rgba(0, 0, 0, 0.2);border-bottom:5px solid var(--global-palette6, #718096);}.kadence-column986_bf4cd2-32 > .kt-inside-inner-col,.kadence-column986_bf4cd2-32 > .kt-inside-inner-col:before{border-top-left-radius:3px;border-top-right-radius:3px;border-bottom-right-radius:3px;border-bottom-left-radius:3px;}.kadence-column986_bf4cd2-32:hover > .kt-inside-inner-col{border-bottom:5px solid var(--global-palette2, #2B6CB0);}.kadence-column986_bf4cd2-32 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column986_bf4cd2-32 > .kt-inside-inner-col{flex-direction:column;}.kadence-column986_bf4cd2-32 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column986_bf4cd2-32 > .kt-inside-inner-col{background-color:var(--global-palette7, #EDF2F7);}.kadence-column986_bf4cd2-32 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column986_bf4cd2-32{position:relative;}@media all and (max-width: 1024px){.kadence-column986_bf4cd2-32 > .kt-inside-inner-col{border-bottom:5px solid var(--global-palette6, #718096);flex-direction:column;justify-content:center;}}@media all and (max-width: 1024px){.kadence-column986_bf4cd2-32:hover > .kt-inside-inner-col{border-bottom:5px solid var(--global-palette2, #2B6CB0);}}@media all and (max-width: 767px){.kadence-column986_bf4cd2-32 > .kt-inside-inner-col{padding-top:var(--global-kb-spacing-sm, 1.5rem);padding-right:var(--global-kb-spacing-xs, 1rem);padding-bottom:var(--global-kb-spacing-sm, 1.5rem);padding-left:var(--global-kb-spacing-xs, 1rem);border-bottom:5px solid var(--global-palette6, #718096);flex-direction:column;justify-content:center;}.kadence-column986_bf4cd2-32:hover > .kt-inside-inner-col{border-bottom:5px solid var(--global-palette2, #2B6CB0);}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column986_bf4cd2-32\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-advancedheading.kt-adv-heading986_08d7d8-e0, .wp-block-kadence-advancedheading.kt-adv-heading986_08d7d8-e0[data-kb-block=\"kb-adv-heading986_08d7d8-e0\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading986_08d7d8-e0 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading986_08d7d8-e0[data-kb-block=\"kb-adv-heading986_08d7d8-e0\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading986_08d7d8-e0 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading986_08d7d8-e0[data-kb-block=\"kb-adv-heading986_08d7d8-e0\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<h2 class=\"kt-adv-heading986_08d7d8-e0 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading986_08d7d8-e0\">Solidarity Surcharge and Church Tax<\/h2>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading986_e37cfb-16, .wp-block-kadence-advancedheading.kt-adv-heading986_e37cfb-16[data-kb-block=\"kb-adv-heading986_e37cfb-16\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading986_e37cfb-16 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading986_e37cfb-16[data-kb-block=\"kb-adv-heading986_e37cfb-16\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading986_e37cfb-16 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading986_e37cfb-16[data-kb-block=\"kb-adv-heading986_e37cfb-16\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<p class=\"kt-adv-heading986_e37cfb-16 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading986_e37cfb-16\">The solidarity surcharge (Solidarit\u00e4tszuschlag) is an additional levy introduced to support German reunification. Its rate is 5.5 percent and is charged not directly on the gross pension but on the calculated income tax. It only affects pensioners with comparatively high income, while those with medium or low income are exempt, since an exemption threshold of 20,350 euros in income tax applies for single people and 40,700 euros for married couples.<\/p>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading986_222106-2d, .wp-block-kadence-advancedheading.kt-adv-heading986_222106-2d[data-kb-block=\"kb-adv-heading986_222106-2d\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading986_222106-2d mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading986_222106-2d[data-kb-block=\"kb-adv-heading986_222106-2d\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading986_222106-2d img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading986_222106-2d[data-kb-block=\"kb-adv-heading986_222106-2d\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<p class=\"kt-adv-heading986_222106-2d wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading986_222106-2d\">Church tax is levied in addition to income tax only on pensioners who belong to a recognized religious community in Germany. Depending on the federal state, it amounts to a flat 8 or 9 percent of income tax and is automatically deducted from the pension of pensioners who belong to a church. Anyone who does not belong to a church, or has officially left one, is exempt from this levy.<\/p>\n<\/div><\/div>\n\n\n<style>.kadence-column986_f4ee64-00 > .kt-inside-inner-col{padding-top:var(--global-kb-spacing-sm, 1.5rem);padding-right:var(--global-kb-spacing-sm, 1.5rem);padding-bottom:var(--global-kb-spacing-sm, 1.5rem);padding-left:var(--global-kb-spacing-sm, 1.5rem);}.kadence-column986_f4ee64-00 > .kt-inside-inner-col{box-shadow:0px 0px 14px 0px rgba(0, 0, 0, 0.2);border-bottom:5px solid var(--global-palette6, #718096);}.kadence-column986_f4ee64-00 > .kt-inside-inner-col,.kadence-column986_f4ee64-00 > .kt-inside-inner-col:before{border-top-left-radius:3px;border-top-right-radius:3px;border-bottom-right-radius:3px;border-bottom-left-radius:3px;}.kadence-column986_f4ee64-00:hover > .kt-inside-inner-col{border-bottom:5px solid var(--global-palette2, #2B6CB0);}.kadence-column986_f4ee64-00 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column986_f4ee64-00 > .kt-inside-inner-col{flex-direction:column;}.kadence-column986_f4ee64-00 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column986_f4ee64-00 > .kt-inside-inner-col{background-color:var(--global-palette7, #EDF2F7);}.kadence-column986_f4ee64-00 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column986_f4ee64-00{position:relative;}@media all and (max-width: 1024px){.kadence-column986_f4ee64-00 > .kt-inside-inner-col{border-bottom:5px solid var(--global-palette6, #718096);flex-direction:column;justify-content:center;}}@media all and (max-width: 1024px){.kadence-column986_f4ee64-00:hover > .kt-inside-inner-col{border-bottom:5px solid var(--global-palette2, #2B6CB0);}}@media all and (max-width: 767px){.kadence-column986_f4ee64-00 > .kt-inside-inner-col{padding-top:var(--global-kb-spacing-sm, 1.5rem);padding-right:var(--global-kb-spacing-xs, 1rem);padding-bottom:var(--global-kb-spacing-sm, 1.5rem);padding-left:var(--global-kb-spacing-xs, 1rem);border-bottom:5px solid var(--global-palette6, #718096);flex-direction:column;justify-content:center;}.kadence-column986_f4ee64-00:hover > .kt-inside-inner-col{border-bottom:5px solid var(--global-palette2, #2B6CB0);}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column986_f4ee64-00\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-advancedheading.kt-adv-heading986_c32ffb-4e, .wp-block-kadence-advancedheading.kt-adv-heading986_c32ffb-4e[data-kb-block=\"kb-adv-heading986_c32ffb-4e\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading986_c32ffb-4e mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading986_c32ffb-4e[data-kb-block=\"kb-adv-heading986_c32ffb-4e\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading986_c32ffb-4e img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading986_c32ffb-4e[data-kb-block=\"kb-adv-heading986_c32ffb-4e\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<h2 class=\"kt-adv-heading986_c32ffb-4e wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading986_c32ffb-4e\">Aktivrente 2026: Earning Extra Tax-Free in Retirement<\/h2>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading986_7ada92-be, .wp-block-kadence-advancedheading.kt-adv-heading986_7ada92-be[data-kb-block=\"kb-adv-heading986_7ada92-be\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading986_7ada92-be mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading986_7ada92-be[data-kb-block=\"kb-adv-heading986_7ada92-be\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading986_7ada92-be img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading986_7ada92-be[data-kb-block=\"kb-adv-heading986_7ada92-be\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<p class=\"kt-adv-heading986_7ada92-be wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading986_7ada92-be\">Since January 1, 2026, a new rule called the Aktivrente (active pension) has applied, which our calculate pension tax tool already takes into account. Anyone who has reached the statutory retirement age and continues working in employment subject to social security contributions may earn up to 2,000 euros in gross wages per month completely tax-free, i.e., up to 24,000 euros per year. This allowance applies in addition to the normal basic tax-free allowance and makes continuing to work in retirement significantly more attractive from a tax perspective.<\/p>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading986_8cf9b5-ed, .wp-block-kadence-advancedheading.kt-adv-heading986_8cf9b5-ed[data-kb-block=\"kb-adv-heading986_8cf9b5-ed\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading986_8cf9b5-ed mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading986_8cf9b5-ed[data-kb-block=\"kb-adv-heading986_8cf9b5-ed\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading986_8cf9b5-ed img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading986_8cf9b5-ed[data-kb-block=\"kb-adv-heading986_8cf9b5-ed\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<p class=\"kt-adv-heading986_8cf9b5-ed wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading986_8cf9b5-ed\">It&#8217;s important to note that the Aktivrente only applies to employment subject to social security contributions, not to mini-jobs, self-employment, or civil servant positions. In addition, contributions to health and long-term care insurance still apply even to the tax-free portion of earnings, so the full gross amount does not arrive as net income. Anyone earning more than 2,000 euros a month must pay normal tax on the amount exceeding that limit.<\/p>\n<\/div><\/div>\n\n<\/div><\/div><\/div><\/div>\n\n<\/div><\/div>\n\n<style>.kb-row-layout-id986_11248b-11 > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id986_11248b-11 > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id986_11248b-11 > .kt-row-column-wrap{column-gap:var(--global-kb-gap-md, 2rem);row-gap:var(--global-kb-gap-md, 2rem);padding-top:var(--global-kb-spacing-lg, 3rem);padding-bottom:var(--global-kb-spacing-lg, 3rem);}.kb-row-layout-id986_11248b-11 > .kt-row-column-wrap > *:nth-child(3n of *:not(style)){grid-column:1 \/ -1;}.kb-row-layout-id986_11248b-11 > .kt-row-column-wrap{grid-template-columns:repeat(2, minmax(0, 1fr));}.kb-row-layout-id986_11248b-11 > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){.kb-row-layout-id986_11248b-11 > .kt-row-column-wrap > *:nth-child(3n of *:not(style)){grid-column:1 \/ -1;}}@media all and (max-width: 1024px){.kb-row-layout-id986_11248b-11 > .kt-row-column-wrap{grid-template-columns:repeat(2, minmax(0, 1fr));}}@media all and (max-width: 767px){.kb-row-layout-id986_11248b-11 > .kt-row-column-wrap{padding-right:var(--global-kb-spacing-xxs, 0.5rem);padding-bottom:var(--global-kb-spacing-sm, 1.5rem);padding-left:var(--global-kb-spacing-xxs, 0.5rem);grid-template-columns:minmax(0, 1fr);}.kb-row-layout-id986_11248b-11 > .kt-row-column-wrap > div:not(.added-for-specificity){grid-column:initial;}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id986_11248b-11 alignnone wp-block-kadence-rowlayout\"><div class=\"kt-row-column-wrap kt-has-3-columns kt-row-layout-last-row kt-tab-layout-inherit kt-mobile-layout-row kt-row-valign-top\">\n<style>.kadence-column986_302ad2-a9 > .kt-inside-inner-col,.kadence-column986_302ad2-a9 > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column986_302ad2-a9 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column986_302ad2-a9 > .kt-inside-inner-col{flex-direction:column;}.kadence-column986_302ad2-a9 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column986_302ad2-a9 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column986_302ad2-a9{position:relative;}@media all and (max-width: 1024px){.kadence-column986_302ad2-a9 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column986_302ad2-a9 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column986_302ad2-a9\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-advancedheading.kt-adv-heading986_a8c68b-26, .wp-block-kadence-advancedheading.kt-adv-heading986_a8c68b-26[data-kb-block=\"kb-adv-heading986_a8c68b-26\"]{text-align:left;font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading986_a8c68b-26 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading986_a8c68b-26[data-kb-block=\"kb-adv-heading986_a8c68b-26\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading986_a8c68b-26 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading986_a8c68b-26[data-kb-block=\"kb-adv-heading986_a8c68b-26\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<h2 class=\"kt-adv-heading986_a8c68b-26 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading986_a8c68b-26\">Calculate Pension Tax for Married Couples<\/h2>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading986_877943-6d, .wp-block-kadence-advancedheading.kt-adv-heading986_877943-6d[data-kb-block=\"kb-adv-heading986_877943-6d\"]{text-align:left;font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading986_877943-6d mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading986_877943-6d[data-kb-block=\"kb-adv-heading986_877943-6d\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading986_877943-6d img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading986_877943-6d[data-kb-block=\"kb-adv-heading986_877943-6d\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<p class=\"kt-adv-heading986_877943-6d wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading986_877943-6d\">Pension tax depends significantly on the pensioner&#8217;s marital status. In Germany, married couples benefit from what is known as spousal splitting (Ehegattensplitting), which often reduces their tax burden compared to individual assessment. Under spousal splitting, the couple&#8217;s combined taxable income is added together, halved, and taxed as if it belonged to a single person, before the calculated tax is doubled again.<\/p>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading986_67bc42-55, .wp-block-kadence-advancedheading.kt-adv-heading986_67bc42-55[data-kb-block=\"kb-adv-heading986_67bc42-55\"]{text-align:left;font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading986_67bc42-55 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading986_67bc42-55[data-kb-block=\"kb-adv-heading986_67bc42-55\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading986_67bc42-55 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading986_67bc42-55[data-kb-block=\"kb-adv-heading986_67bc42-55\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<p class=\"kt-adv-heading986_67bc42-55 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading986_67bc42-55\">Our pension tax calculator takes this calculation method into account. If both partners receive their own pension, simply add the respective amounts in the corresponding input fields so the calculator can correctly combine your joint income.<\/p>\n<\/div><\/div>\n\n\n<style>.kadence-column986_c50900-7b > .kt-inside-inner-col{display:flex;}.kadence-column986_c50900-7b > .kt-inside-inner-col,.kadence-column986_c50900-7b > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column986_c50900-7b > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column986_c50900-7b > .kt-inside-inner-col{flex-direction:column;justify-content:center;}.kadence-column986_c50900-7b > .kt-inside-inner-col > .aligncenter{width:100%;}.kt-row-column-wrap > .kadence-column986_c50900-7b{align-self:center;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column986_c50900-7b{align-self:auto;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column986_c50900-7b > .kt-inside-inner-col{flex-direction:column;justify-content:center;}.kadence-column986_c50900-7b > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column986_c50900-7b{position:relative;}@media all and (max-width: 1024px){.kt-row-column-wrap > .kadence-column986_c50900-7b{align-self:center;}}@media all and (max-width: 1024px){.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column986_c50900-7b{align-self:auto;}}@media all and (max-width: 1024px){.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column986_c50900-7b > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 1024px){.kadence-column986_c50900-7b > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kt-row-column-wrap > .kadence-column986_c50900-7b{align-self:center;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column986_c50900-7b{align-self:auto;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column986_c50900-7b > .kt-inside-inner-col{flex-direction:column;justify-content:center;}.kadence-column986_c50900-7b > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column986_c50900-7b\"><div class=\"kt-inside-inner-col\"><style>.kb-image986_b1b7e2-cd .kb-image-has-overlay:after{opacity:0.3;border-top-left-radius:5px;border-top-right-radius:5px;border-bottom-right-radius:5px;border-bottom-left-radius:5px;}.kb-image986_b1b7e2-cd img.kb-img, .kb-image986_b1b7e2-cd .kb-img img{border-top-left-radius:5px;border-top-right-radius:5px;border-bottom-right-radius:5px;border-bottom-left-radius:5px;box-shadow:1px 8px 24px -4px rgba(0, 0, 0, 0.3);}<\/style>\n<div class=\"wp-block-kadence-image kb-image986_b1b7e2-cd\"><figure class=\"aligncenter\"><img decoding=\"async\" width=\"1080\" height=\"608\" src=\"https:\/\/profinanzrechner.de\/en\/wp-content\/uploads\/sites\/3\/2026\/07\/retirement-tax-calculator-married-couples.webp\" alt=\"Retirement tax calculator for married couples and pension income\" class=\"kb-img wp-image-1709\" title=\"\" srcset=\"https:\/\/profinanzrechner.de\/en\/wp-content\/uploads\/sites\/3\/2026\/07\/retirement-tax-calculator-married-couples.webp 1080w, https:\/\/profinanzrechner.de\/en\/wp-content\/uploads\/sites\/3\/2026\/07\/retirement-tax-calculator-married-couples-300x169.webp 300w, https:\/\/profinanzrechner.de\/en\/wp-content\/uploads\/sites\/3\/2026\/07\/retirement-tax-calculator-married-couples-1024x576.webp 1024w, https:\/\/profinanzrechner.de\/en\/wp-content\/uploads\/sites\/3\/2026\/07\/retirement-tax-calculator-married-couples-768x432.webp 768w\" sizes=\"(max-width: 1080px) 100vw, 1080px\" \/><\/figure><\/div>\n<\/div><\/div>\n\n\n<style>.kadence-column986_ca11f7-68 > .kt-inside-inner-col,.kadence-column986_ca11f7-68 > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column986_ca11f7-68 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column986_ca11f7-68 > .kt-inside-inner-col{flex-direction:column;}.kadence-column986_ca11f7-68 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column986_ca11f7-68 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column986_ca11f7-68{position:relative;}@media all and (max-width: 1024px){.kadence-column986_ca11f7-68 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column986_ca11f7-68 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column986_ca11f7-68\"><div class=\"kt-inside-inner-col\"><style>.kb-row-layout-id986_b291e4-74 > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id986_b291e4-74 > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id986_b291e4-74 > .kt-row-column-wrap{column-gap:var(--global-kb-gap-sm, 1rem);row-gap:var(--global-kb-gap-sm, 1rem);}.kb-row-layout-id986_b291e4-74 > .kt-row-column-wrap > div:not(.added-for-specificity){grid-column:initial;}.kb-row-layout-id986_b291e4-74 > .kt-row-column-wrap{grid-template-columns:repeat(3, minmax(0, 1fr));}.kb-row-layout-id986_b291e4-74 > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){.kb-row-layout-id986_b291e4-74 > .kt-row-column-wrap > div:not(.added-for-specificity){grid-column:initial;}}@media all and (max-width: 1024px){.kb-row-layout-id986_b291e4-74 > .kt-row-column-wrap{grid-template-columns:repeat(3, minmax(0, 1fr));}}@media all and (max-width: 767px){.kb-row-layout-id986_b291e4-74 > .kt-row-column-wrap > div:not(.added-for-specificity){grid-column:initial;}.kb-row-layout-id986_b291e4-74 > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id986_b291e4-74 alignnone wp-block-kadence-rowlayout\"><div class=\"kt-row-column-wrap kt-has-3-columns kt-row-layout-equal kt-tab-layout-inherit kt-mobile-layout-row kt-row-valign-top kt-inner-column-height-full\">\n<style>.kadence-column986_3d14c2-a9 > .kt-inside-inner-col{padding-top:var(--global-kb-spacing-sm, 1.5rem);padding-right:var(--global-kb-spacing-sm, 1.5rem);padding-bottom:var(--global-kb-spacing-sm, 1.5rem);padding-left:var(--global-kb-spacing-sm, 1.5rem);}.kadence-column986_3d14c2-a9 > .kt-inside-inner-col{box-shadow:0px 0px 14px 0px rgba(0, 0, 0, 0.2);border-bottom:5px solid var(--global-palette6, #718096);}.kadence-column986_3d14c2-a9 > .kt-inside-inner-col,.kadence-column986_3d14c2-a9 > .kt-inside-inner-col:before{border-top-left-radius:3px;border-top-right-radius:3px;border-bottom-right-radius:3px;border-bottom-left-radius:3px;}.kadence-column986_3d14c2-a9:hover > .kt-inside-inner-col{border-bottom:5px solid var(--global-palette2, #2B6CB0);}.kadence-column986_3d14c2-a9 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column986_3d14c2-a9 > .kt-inside-inner-col{flex-direction:column;}.kadence-column986_3d14c2-a9 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column986_3d14c2-a9 > .kt-inside-inner-col{background-color:var(--global-palette7, #EDF2F7);}.kadence-column986_3d14c2-a9 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column986_3d14c2-a9{position:relative;}@media all and (max-width: 1024px){.kadence-column986_3d14c2-a9 > .kt-inside-inner-col{border-bottom:5px solid var(--global-palette6, #718096);flex-direction:column;justify-content:center;}}@media all and (max-width: 1024px){.kadence-column986_3d14c2-a9:hover > .kt-inside-inner-col{border-bottom:5px solid var(--global-palette2, #2B6CB0);}}@media all and (max-width: 767px){.kadence-column986_3d14c2-a9 > .kt-inside-inner-col{padding-top:var(--global-kb-spacing-sm, 1.5rem);padding-right:var(--global-kb-spacing-xs, 1rem);padding-bottom:var(--global-kb-spacing-sm, 1.5rem);padding-left:var(--global-kb-spacing-xs, 1rem);border-bottom:5px solid var(--global-palette6, #718096);flex-direction:column;justify-content:center;}.kadence-column986_3d14c2-a9:hover > .kt-inside-inner-col{border-bottom:5px solid var(--global-palette2, #2B6CB0);}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column986_3d14c2-a9\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-advancedheading.kt-adv-heading986_4af9d8-62, .wp-block-kadence-advancedheading.kt-adv-heading986_4af9d8-62[data-kb-block=\"kb-adv-heading986_4af9d8-62\"]{font-size:var(--global-kb-font-size-md, 1.25rem);font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading986_4af9d8-62 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading986_4af9d8-62[data-kb-block=\"kb-adv-heading986_4af9d8-62\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading986_4af9d8-62 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading986_4af9d8-62[data-kb-block=\"kb-adv-heading986_4af9d8-62\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<h2 class=\"kt-adv-heading986_4af9d8-62 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading986_4af9d8-62\">Calculate Pension Tax for Riester Pensions<\/h2>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading986_7ce222-7c, .wp-block-kadence-advancedheading.kt-adv-heading986_7ce222-7c[data-kb-block=\"kb-adv-heading986_7ce222-7c\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading986_7ce222-7c mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading986_7ce222-7c[data-kb-block=\"kb-adv-heading986_7ce222-7c\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading986_7ce222-7c img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading986_7ce222-7c[data-kb-block=\"kb-adv-heading986_7ce222-7c\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<p class=\"kt-adv-heading986_7ce222-7c wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading986_7ce222-7c\">The Riester pension is a state-subsidized private retirement plan. During your working years, the contributions paid in were tax-deductible and additionally received state subsidies. In retirement, however, the payouts are fully subject to income tax, similar to a company pension. Our pension tax calculator therefore treats Riester payouts as fully taxable income and adds them to your other taxable income.<\/p>\n<\/div><\/div>\n\n\n<style>.kadence-column986_c3b961-26 > .kt-inside-inner-col{padding-top:var(--global-kb-spacing-sm, 1.5rem);padding-right:var(--global-kb-spacing-sm, 1.5rem);padding-bottom:var(--global-kb-spacing-sm, 1.5rem);padding-left:var(--global-kb-spacing-sm, 1.5rem);}.kadence-column986_c3b961-26 > .kt-inside-inner-col{box-shadow:0px 0px 14px 0px rgba(0, 0, 0, 0.2);border-bottom:5px solid var(--global-palette6, #718096);}.kadence-column986_c3b961-26 > .kt-inside-inner-col,.kadence-column986_c3b961-26 > .kt-inside-inner-col:before{border-top-left-radius:3px;border-top-right-radius:3px;border-bottom-right-radius:3px;border-bottom-left-radius:3px;}.kadence-column986_c3b961-26:hover > .kt-inside-inner-col{border-bottom:5px solid var(--global-palette2, #2B6CB0);}.kadence-column986_c3b961-26 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column986_c3b961-26 > .kt-inside-inner-col{flex-direction:column;}.kadence-column986_c3b961-26 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column986_c3b961-26 > .kt-inside-inner-col{background-color:var(--global-palette7, #EDF2F7);}.kadence-column986_c3b961-26 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column986_c3b961-26{position:relative;}@media all and (max-width: 1024px){.kadence-column986_c3b961-26 > .kt-inside-inner-col{border-bottom:5px solid var(--global-palette6, #718096);flex-direction:column;justify-content:center;}}@media all and (max-width: 1024px){.kadence-column986_c3b961-26:hover > .kt-inside-inner-col{border-bottom:5px solid var(--global-palette2, #2B6CB0);}}@media all and (max-width: 767px){.kadence-column986_c3b961-26 > .kt-inside-inner-col{padding-top:var(--global-kb-spacing-sm, 1.5rem);padding-right:var(--global-kb-spacing-xs, 1rem);padding-bottom:var(--global-kb-spacing-sm, 1.5rem);padding-left:var(--global-kb-spacing-xs, 1rem);border-bottom:5px solid var(--global-palette6, #718096);flex-direction:column;justify-content:center;}.kadence-column986_c3b961-26:hover > .kt-inside-inner-col{border-bottom:5px solid var(--global-palette2, #2B6CB0);}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column986_c3b961-26\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-advancedheading.kt-adv-heading986_f1d7d0-01, .wp-block-kadence-advancedheading.kt-adv-heading986_f1d7d0-01[data-kb-block=\"kb-adv-heading986_f1d7d0-01\"]{font-size:var(--global-kb-font-size-md, 1.25rem);font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading986_f1d7d0-01 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading986_f1d7d0-01[data-kb-block=\"kb-adv-heading986_f1d7d0-01\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading986_f1d7d0-01 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading986_f1d7d0-01[data-kb-block=\"kb-adv-heading986_f1d7d0-01\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<h2 class=\"kt-adv-heading986_f1d7d0-01 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading986_f1d7d0-01\">Pension Tax Calculator for Private Pension Insurance<\/h2>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading986_23fdf2-22, .wp-block-kadence-advancedheading.kt-adv-heading986_23fdf2-22[data-kb-block=\"kb-adv-heading986_23fdf2-22\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading986_23fdf2-22 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading986_23fdf2-22[data-kb-block=\"kb-adv-heading986_23fdf2-22\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading986_23fdf2-22 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading986_23fdf2-22[data-kb-block=\"kb-adv-heading986_23fdf2-22\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<p class=\"kt-adv-heading986_23fdf2-22 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading986_23fdf2-22\">With private pension insurance, it is not the entire payout that is taxed, but only the so-called income portion (Ertragsanteil), i.e. the calculated interest component of the pension. The size of this income portion depends on your age at the start of receiving the pension. The later a private pension begins, the lower the taxable income portion. Our pension tax calculator automatically determines this portion based on the age you enter for the start of your pension.<\/p>\n<\/div><\/div>\n\n\n<style>.kadence-column986_bc0b4a-22 > .kt-inside-inner-col{padding-top:var(--global-kb-spacing-sm, 1.5rem);padding-right:var(--global-kb-spacing-sm, 1.5rem);padding-bottom:var(--global-kb-spacing-sm, 1.5rem);padding-left:var(--global-kb-spacing-sm, 1.5rem);}.kadence-column986_bc0b4a-22 > .kt-inside-inner-col{box-shadow:0px 0px 14px 0px rgba(0, 0, 0, 0.2);border-bottom:5px solid var(--global-palette6, #718096);}.kadence-column986_bc0b4a-22 > .kt-inside-inner-col,.kadence-column986_bc0b4a-22 > .kt-inside-inner-col:before{border-top-left-radius:3px;border-top-right-radius:3px;border-bottom-right-radius:3px;border-bottom-left-radius:3px;}.kadence-column986_bc0b4a-22:hover > .kt-inside-inner-col{border-bottom:5px solid var(--global-palette2, #2B6CB0);}.kadence-column986_bc0b4a-22 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column986_bc0b4a-22 > .kt-inside-inner-col{flex-direction:column;}.kadence-column986_bc0b4a-22 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column986_bc0b4a-22 > .kt-inside-inner-col{background-color:var(--global-palette7, #EDF2F7);}.kadence-column986_bc0b4a-22 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column986_bc0b4a-22{position:relative;}@media all and (max-width: 1024px){.kadence-column986_bc0b4a-22 > .kt-inside-inner-col{border-bottom:5px solid var(--global-palette6, #718096);flex-direction:column;justify-content:center;}}@media all and (max-width: 1024px){.kadence-column986_bc0b4a-22:hover > .kt-inside-inner-col{border-bottom:5px solid var(--global-palette2, #2B6CB0);}}@media all and (max-width: 767px){.kadence-column986_bc0b4a-22 > .kt-inside-inner-col{padding-top:var(--global-kb-spacing-sm, 1.5rem);padding-right:var(--global-kb-spacing-xs, 1rem);padding-bottom:var(--global-kb-spacing-sm, 1.5rem);padding-left:var(--global-kb-spacing-xs, 1rem);border-bottom:5px solid var(--global-palette6, #718096);flex-direction:column;justify-content:center;}.kadence-column986_bc0b4a-22:hover > .kt-inside-inner-col{border-bottom:5px solid var(--global-palette2, #2B6CB0);}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column986_bc0b4a-22\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-advancedheading.kt-adv-heading986_be1afe-51, .wp-block-kadence-advancedheading.kt-adv-heading986_be1afe-51[data-kb-block=\"kb-adv-heading986_be1afe-51\"]{font-size:var(--global-kb-font-size-md, 1.25rem);font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading986_be1afe-51 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading986_be1afe-51[data-kb-block=\"kb-adv-heading986_be1afe-51\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading986_be1afe-51 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading986_be1afe-51[data-kb-block=\"kb-adv-heading986_be1afe-51\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<h2 class=\"kt-adv-heading986_be1afe-51 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading986_be1afe-51\">Pension Tax Calculator for Occupational Disability Pensions<\/h2>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading986_3a2536-a1, .wp-block-kadence-advancedheading.kt-adv-heading986_3a2536-a1[data-kb-block=\"kb-adv-heading986_3a2536-a1\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading986_3a2536-a1 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading986_3a2536-a1[data-kb-block=\"kb-adv-heading986_3a2536-a1\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading986_3a2536-a1 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading986_3a2536-a1[data-kb-block=\"kb-adv-heading986_3a2536-a1\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<p class=\"kt-adv-heading986_3a2536-a1 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading986_3a2536-a1\">If a person can no longer earn income due to illness or disability, private occupational disability insurance provides income protection. How high the tax burden is depends largely on whether the contributions were tax-deductible during the payment phase. If this was not the case, often only a small part of the payout is taxable. The pension tax calculator determines the total tax burden by separating the taxable portion of this benefit from the tax-free portion.<\/p>\n<\/div><\/div>\n\n\n<style>.kadence-column986_ec0acb-88 > .kt-inside-inner-col{padding-top:var(--global-kb-spacing-sm, 1.5rem);padding-right:var(--global-kb-spacing-sm, 1.5rem);padding-bottom:var(--global-kb-spacing-sm, 1.5rem);padding-left:var(--global-kb-spacing-sm, 1.5rem);}.kadence-column986_ec0acb-88 > .kt-inside-inner-col{box-shadow:0px 0px 14px 0px rgba(0, 0, 0, 0.2);border-bottom:5px solid var(--global-palette6, #718096);}.kadence-column986_ec0acb-88 > .kt-inside-inner-col,.kadence-column986_ec0acb-88 > .kt-inside-inner-col:before{border-top-left-radius:3px;border-top-right-radius:3px;border-bottom-right-radius:3px;border-bottom-left-radius:3px;}.kadence-column986_ec0acb-88:hover > .kt-inside-inner-col{border-bottom:5px solid var(--global-palette2, #2B6CB0);}.kadence-column986_ec0acb-88 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column986_ec0acb-88 > .kt-inside-inner-col{flex-direction:column;}.kadence-column986_ec0acb-88 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column986_ec0acb-88 > .kt-inside-inner-col{background-color:var(--global-palette7, #EDF2F7);}.kadence-column986_ec0acb-88 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column986_ec0acb-88{position:relative;}@media all and (max-width: 1024px){.kadence-column986_ec0acb-88 > .kt-inside-inner-col{border-bottom:5px solid var(--global-palette6, #718096);flex-direction:column;justify-content:center;}}@media all and (max-width: 1024px){.kadence-column986_ec0acb-88:hover > .kt-inside-inner-col{border-bottom:5px solid var(--global-palette2, #2B6CB0);}}@media all and (max-width: 767px){.kadence-column986_ec0acb-88 > .kt-inside-inner-col{padding-top:var(--global-kb-spacing-sm, 1.5rem);padding-right:var(--global-kb-spacing-xs, 1rem);padding-bottom:var(--global-kb-spacing-sm, 1.5rem);padding-left:var(--global-kb-spacing-xs, 1rem);border-bottom:5px solid var(--global-palette6, #718096);flex-direction:column;justify-content:center;}.kadence-column986_ec0acb-88:hover > .kt-inside-inner-col{border-bottom:5px solid var(--global-palette2, #2B6CB0);}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column986_ec0acb-88\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-advancedheading.kt-adv-heading986_bbae8b-ee, .wp-block-kadence-advancedheading.kt-adv-heading986_bbae8b-ee[data-kb-block=\"kb-adv-heading986_bbae8b-ee\"]{font-size:var(--global-kb-font-size-md, 1.25rem);font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading986_bbae8b-ee mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading986_bbae8b-ee[data-kb-block=\"kb-adv-heading986_bbae8b-ee\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading986_bbae8b-ee img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading986_bbae8b-ee[data-kb-block=\"kb-adv-heading986_bbae8b-ee\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<h2 class=\"kt-adv-heading986_bbae8b-ee wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading986_bbae8b-ee\">Pension Tax Calculator for Civil Servant Pensions<\/h2>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading986_c5a3be-d3, .wp-block-kadence-advancedheading.kt-adv-heading986_c5a3be-d3[data-kb-block=\"kb-adv-heading986_c5a3be-d3\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading986_c5a3be-d3 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading986_c5a3be-d3[data-kb-block=\"kb-adv-heading986_c5a3be-d3\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading986_c5a3be-d3 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading986_c5a3be-d3[data-kb-block=\"kb-adv-heading986_c5a3be-d3\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<p class=\"kt-adv-heading986_c5a3be-d3 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading986_c5a3be-d3\">In Germany, civil servants receive a state-funded pension (Beamtenpension). This differs from the statutory pension, as it is based not on years of contributions but on years of service and final salary. Civil servant pensions are generally fully taxable, although a pension allowance (Versorgungsfreibetrag) can be claimed under certain conditions. Our pension tax calculator treats civil servant pensions as fully taxable income, taxed together with your other income.<\/p>\n<\/div><\/div>\n\n\n<style>.kadence-column986_5ad8fa-ba > .kt-inside-inner-col{padding-top:var(--global-kb-spacing-sm, 1.5rem);padding-right:var(--global-kb-spacing-sm, 1.5rem);padding-bottom:var(--global-kb-spacing-sm, 1.5rem);padding-left:var(--global-kb-spacing-sm, 1.5rem);}.kadence-column986_5ad8fa-ba > .kt-inside-inner-col{box-shadow:0px 0px 14px 0px rgba(0, 0, 0, 0.2);border-bottom:5px solid var(--global-palette6, #718096);}.kadence-column986_5ad8fa-ba > .kt-inside-inner-col,.kadence-column986_5ad8fa-ba > .kt-inside-inner-col:before{border-top-left-radius:3px;border-top-right-radius:3px;border-bottom-right-radius:3px;border-bottom-left-radius:3px;}.kadence-column986_5ad8fa-ba:hover > .kt-inside-inner-col{border-bottom:5px solid var(--global-palette2, #2B6CB0);}.kadence-column986_5ad8fa-ba > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column986_5ad8fa-ba > .kt-inside-inner-col{flex-direction:column;}.kadence-column986_5ad8fa-ba > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column986_5ad8fa-ba > .kt-inside-inner-col{background-color:var(--global-palette7, #EDF2F7);}.kadence-column986_5ad8fa-ba > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column986_5ad8fa-ba{position:relative;}@media all and (max-width: 1024px){.kadence-column986_5ad8fa-ba > .kt-inside-inner-col{border-bottom:5px solid var(--global-palette6, #718096);flex-direction:column;justify-content:center;}}@media all and (max-width: 1024px){.kadence-column986_5ad8fa-ba:hover > .kt-inside-inner-col{border-bottom:5px solid var(--global-palette2, #2B6CB0);}}@media all and (max-width: 767px){.kadence-column986_5ad8fa-ba > .kt-inside-inner-col{padding-top:var(--global-kb-spacing-sm, 1.5rem);padding-right:var(--global-kb-spacing-xs, 1rem);padding-bottom:var(--global-kb-spacing-sm, 1.5rem);padding-left:var(--global-kb-spacing-xs, 1rem);border-bottom:5px solid var(--global-palette6, #718096);flex-direction:column;justify-content:center;}.kadence-column986_5ad8fa-ba:hover > .kt-inside-inner-col{border-bottom:5px solid var(--global-palette2, #2B6CB0);}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column986_5ad8fa-ba\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-advancedheading.kt-adv-heading986_d4dbf2-21, .wp-block-kadence-advancedheading.kt-adv-heading986_d4dbf2-21[data-kb-block=\"kb-adv-heading986_d4dbf2-21\"]{font-size:var(--global-kb-font-size-md, 1.25rem);font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading986_d4dbf2-21 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading986_d4dbf2-21[data-kb-block=\"kb-adv-heading986_d4dbf2-21\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading986_d4dbf2-21 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading986_d4dbf2-21[data-kb-block=\"kb-adv-heading986_d4dbf2-21\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<h2 class=\"kt-adv-heading986_d4dbf2-21 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading986_d4dbf2-21\">Calculate Pension Tax for Widow&#8217;s\/Widower&#8217;s Pension<\/h2>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading986_f9b6e7-68, .wp-block-kadence-advancedheading.kt-adv-heading986_f9b6e7-68[data-kb-block=\"kb-adv-heading986_f9b6e7-68\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading986_f9b6e7-68 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading986_f9b6e7-68[data-kb-block=\"kb-adv-heading986_f9b6e7-68\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading986_f9b6e7-68 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading986_f9b6e7-68[data-kb-block=\"kb-adv-heading986_f9b6e7-68\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<p class=\"kt-adv-heading986_f9b6e7-68 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading986_f9b6e7-68\">A surviving spouse receives financial support in the form of a widow&#8217;s or widower&#8217;s pension. This benefit is also generally taxable, although the surviving spouse is entitled to the usual basic tax-free allowance as well as any additional allowances, which reduce the final tax burden. The amount of the pension depends on the original pension entitlement of the deceased partner as well as the surviving spouse&#8217;s own income.<\/p>\n<\/div><\/div>\n\n<\/div><\/div>\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading986_7213bc-9a, .wp-block-kadence-advancedheading.kt-adv-heading986_7213bc-9a[data-kb-block=\"kb-adv-heading986_7213bc-9a\"]{padding-top:var(--global-kb-spacing-lg, 3rem);font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading986_7213bc-9a mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading986_7213bc-9a[data-kb-block=\"kb-adv-heading986_7213bc-9a\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading986_7213bc-9a img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading986_7213bc-9a[data-kb-block=\"kb-adv-heading986_7213bc-9a\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<h2 class=\"kt-adv-heading986_7213bc-9a wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading986_7213bc-9a\">Other Factors That Affect Your Pension Tax<\/h2>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading986_4c5cea-9e, .wp-block-kadence-advancedheading.kt-adv-heading986_4c5cea-9e[data-kb-block=\"kb-adv-heading986_4c5cea-9e\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading986_4c5cea-9e mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading986_4c5cea-9e[data-kb-block=\"kb-adv-heading986_4c5cea-9e\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading986_4c5cea-9e img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading986_4c5cea-9e[data-kb-block=\"kb-adv-heading986_4c5cea-9e\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<p class=\"kt-adv-heading986_4c5cea-9e wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading986_4c5cea-9e\">Besides marital status and pension type, our pension tax calculator also takes several other factors into account:<\/p>\n\n\n<style>.wp-block-kadence-iconlist.kt-svg-icon-list-items986_b85685-f5:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items986_b85685-f5 ul.kt-svg-icon-list{grid-row-gap:15px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items986_b85685-f5 .kb-svg-icon-wrap{font-size:10px;color:var(--global-palette9, #ffffff);}.wp-block-kadence-iconlist.kt-svg-icon-list-items986_b85685-f5 ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap .kt-svg-icon-list-single{margin-right:15px;}.kt-svg-icon-list-items986_b85685-f5 ul.kt-svg-icon-list .kt-svg-icon-list-level-0 .kt-svg-icon-list-single svg{font-size:20px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items986_b85685-f5 ul.kt-svg-icon-list .kt-svg-icon-list-single{background-color:var(--global-palette1, #3182CE);border-radius:10%;border-color:var(--global-palette1, #3182CE);border-width:1px;border-style:solid;padding:4px;}@media all and (max-width: 767px){.wp-block-kadence-iconlist.kt-svg-icon-list-items986_b85685-f5 ul.kt-svg-icon-list{grid-row-gap:10px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items986_b85685-f5 .kb-svg-icon-wrap{font-size:12px;}}<\/style>\n<div class=\"wp-block-kadence-iconlist kt-svg-icon-list-items kt-svg-icon-list-items986_b85685-f5 kt-svg-icon-list-columns-1 alignnone kt-list-icon-aligntop\"><ul class=\"kt-svg-icon-list\"><style>.kt-svg-icon-list-item-986_c5a2b0-d0 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-986_c5a2b0-d0\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_activity kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"4\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><polyline points=\"22 12 18 12 15 21 9 3 6 12 2 12\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong>Retirement age:<\/strong> Retiring earlier affects your taxable portion, since this depends on the year your pension actually begins.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-986_777dfd-ac .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-986_777dfd-ac\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_activity kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"4\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><polyline points=\"22 12 18 12 15 21 9 3 6 12 2 12\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong>Additional income:<\/strong> Extra earnings, for example from renting out property or from employment, increase your total taxable income.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-986_15a9d0-4f .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-986_15a9d0-4f\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_activity kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"4\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><polyline points=\"22 12 18 12 15 21 9 3 6 12 2 12\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong>Special expense deductions:<\/strong> Basic contributions to health and long-term care insurance noticeably reduce your taxable income.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-986_ebb9ec-04 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-986_ebb9ec-04\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_activity kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"4\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><polyline points=\"22 12 18 12 15 21 9 3 6 12 2 12\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong>Disability:<\/strong> People with a recognized degree of disability can claim a disability lump-sum allowance, which ranges from 384 to 2,840 euros depending on the degree.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-986_f3cddd-d5 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-986_f3cddd-d5\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_activity kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"4\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><polyline points=\"22 12 18 12 15 21 9 3 6 12 2 12\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong>Church membership:<\/strong> Church tax, which varies by federal state, has an additional effect on your net pension.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-986_843b65-d8 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-986_843b65-d8\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_activity kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"4\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><polyline points=\"22 12 18 12 15 21 9 3 6 12 2 12\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong>Annual pension adjustments:<\/strong> Since pension increases flow entirely into the taxable portion of your pension, your tax liability can gradually rise over the years, even if your taxable percentage remains unchanged.<\/span><\/li>\n<\/ul><\/div>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading986_dee731-7a, .wp-block-kadence-advancedheading.kt-adv-heading986_dee731-7a[data-kb-block=\"kb-adv-heading986_dee731-7a\"]{padding-top:var(--global-kb-spacing-lg, 3rem);text-align:left;font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading986_dee731-7a mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading986_dee731-7a[data-kb-block=\"kb-adv-heading986_dee731-7a\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading986_dee731-7a img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading986_dee731-7a[data-kb-block=\"kb-adv-heading986_dee731-7a\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<h2 class=\"kt-adv-heading986_dee731-7a wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading986_dee731-7a\">How to Use the Pension Tax Calculator for Free<\/h2>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading986_88d315-85, .wp-block-kadence-advancedheading.kt-adv-heading986_88d315-85[data-kb-block=\"kb-adv-heading986_88d315-85\"]{text-align:left;font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading986_88d315-85 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading986_88d315-85[data-kb-block=\"kb-adv-heading986_88d315-85\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading986_88d315-85 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading986_88d315-85[data-kb-block=\"kb-adv-heading986_88d315-85\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<p class=\"kt-adv-heading986_88d315-85 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading986_88d315-85\">First, enter your marital status and the year your pension began. Then enter your first full gross annual pension as well as your current gross annual pension, so the calculator can correctly determine your personal pension allowance. If applicable, add any additional income such as a company pension, a Riester pension, a private pension insurance, or income from an Aktivrente, along with your basic contributions to health and long-term care insurance.<\/p>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading986_b5f8f6-95, .wp-block-kadence-advancedheading.kt-adv-heading986_b5f8f6-95[data-kb-block=\"kb-adv-heading986_b5f8f6-95\"]{text-align:left;font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading986_b5f8f6-95 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading986_b5f8f6-95[data-kb-block=\"kb-adv-heading986_b5f8f6-95\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading986_b5f8f6-95 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading986_b5f8f6-95[data-kb-block=\"kb-adv-heading986_b5f8f6-95\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<p class=\"kt-adv-heading986_b5f8f6-95 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading986_b5f8f6-95\">The pension tax calculator will then show you your taxable percentage, your pension allowance, your taxable income, and the specific tax burden from income tax, solidarity surcharge, and church tax. At the end, you&#8217;ll see how much net income you actually keep per year and per month.<\/p>\n<\/div><\/div>\n\n<\/div><\/div>\n\n<style>.kb-row-layout-id986_954ac7-0e > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id986_954ac7-0e > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id986_954ac7-0e > .kt-row-column-wrap{column-gap:var(--global-kb-gap-md, 2rem);row-gap:var(--global-kb-gap-md, 2rem);padding-top:var(--global-kb-spacing-lg, 3rem);padding-right:var(--global-kb-spacing-xs, 1rem);padding-bottom:var(--global-kb-spacing-lg, 3rem);padding-left:var(--global-kb-spacing-xs, 1rem);grid-template-columns:minmax(0, 1fr);}.kb-row-layout-id986_954ac7-0e > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){.kb-row-layout-id986_954ac7-0e > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}@media all and (max-width: 767px){.kb-row-layout-id986_954ac7-0e > .kt-row-column-wrap{padding-top:var(--global-kb-spacing-lg, 3rem);padding-right:var(--global-kb-spacing-xxs, 0.5rem);padding-left:var(--global-kb-spacing-xxs, 0.5rem);grid-template-columns:minmax(0, 1fr);}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id986_954ac7-0e alignnone wp-block-kadence-rowlayout\"><div class=\"kt-row-column-wrap kt-has-2-columns kt-row-layout-row kt-tab-layout-inherit kt-mobile-layout-row kt-row-valign-top\">\n<style>.kadence-column986_8078f8-60 > .kt-inside-inner-col{padding-top:var(--global-kb-spacing-lg, 3rem);padding-right:var(--global-kb-spacing-lg, 3rem);padding-bottom:var(--global-kb-spacing-lg, 3rem);padding-left:var(--global-kb-spacing-lg, 3rem);}.kadence-column986_8078f8-60 > .kt-inside-inner-col{box-shadow:0px 0px 14px 0px rgba(0, 0, 0, 0.2);border-bottom:5px solid var(--global-palette6, #718096);}.kadence-column986_8078f8-60 > .kt-inside-inner-col,.kadence-column986_8078f8-60 > .kt-inside-inner-col:before{border-top-left-radius:5px;border-top-right-radius:5px;border-bottom-right-radius:5px;border-bottom-left-radius:5px;}.kadence-column986_8078f8-60:hover > .kt-inside-inner-col{border-bottom:5px solid var(--global-palette1, #3182CE);}.kadence-column986_8078f8-60:hover > .kt-inside-inner-col,.kadence-column986_8078f8-60:hover > .kt-inside-inner-col:before{border-top-left-radius:10px;border-top-right-radius:10px;border-bottom-right-radius:10px;border-bottom-left-radius:10px;}.kadence-column986_8078f8-60 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column986_8078f8-60 > .kt-inside-inner-col{flex-direction:column;}.kadence-column986_8078f8-60 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column986_8078f8-60 > .kt-inside-inner-col{background-color:var(--global-palette2, #2B6CB0);}.kadence-column986_8078f8-60 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column986_8078f8-60{position:relative;}@media all and (max-width: 1024px){.kadence-column986_8078f8-60 > .kt-inside-inner-col{border-bottom:5px solid var(--global-palette6, #718096);flex-direction:column;justify-content:center;}}@media all and (max-width: 1024px){.kadence-column986_8078f8-60:hover > .kt-inside-inner-col{border-bottom:5px solid var(--global-palette1, #3182CE);}}@media all and (max-width: 767px){.kadence-column986_8078f8-60 > .kt-inside-inner-col{padding-right:var(--global-kb-spacing-xxs, 0.5rem);padding-left:var(--global-kb-spacing-xxs, 0.5rem);border-bottom:5px solid var(--global-palette6, #718096);flex-direction:column;justify-content:center;}.kadence-column986_8078f8-60:hover > .kt-inside-inner-col{border-bottom:5px solid var(--global-palette1, #3182CE);}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column986_8078f8-60\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-advancedheading.kt-adv-heading986_b3644e-9f, .wp-block-kadence-advancedheading.kt-adv-heading986_b3644e-9f[data-kb-block=\"kb-adv-heading986_b3644e-9f\"]{text-align:center;font-style:normal;text-shadow:1px 1px 1px var(--global-palette1, #3182CE);}.wp-block-kadence-advancedheading.kt-adv-heading986_b3644e-9f mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading986_b3644e-9f[data-kb-block=\"kb-adv-heading986_b3644e-9f\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading986_b3644e-9f img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading986_b3644e-9f[data-kb-block=\"kb-adv-heading986_b3644e-9f\"] img.kb-inline-image{width:150px;vertical-align:baseline;}@media all and (max-width: 1024px){.wp-block-kadence-advancedheading.kt-adv-heading986_b3644e-9f, .wp-block-kadence-advancedheading.kt-adv-heading986_b3644e-9f[data-kb-block=\"kb-adv-heading986_b3644e-9f\"]{text-shadow:1px 1px 1px var(--global-palette1, #3182CE);}}@media all and (max-width: 767px){.wp-block-kadence-advancedheading.kt-adv-heading986_b3644e-9f, .wp-block-kadence-advancedheading.kt-adv-heading986_b3644e-9f[data-kb-block=\"kb-adv-heading986_b3644e-9f\"]{text-shadow:1px 1px 1px var(--global-palette1, #3182CE);}}<\/style>\n<h2 class=\"kt-adv-heading986_b3644e-9f wp-block-kadence-advancedheading has-theme-palette-9-color has-text-color\" data-kb-block=\"kb-adv-heading986_b3644e-9f\">Conclusion \u2013 Calculate Pension Tax<\/h2>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading986_30e965-7e, .wp-block-kadence-advancedheading.kt-adv-heading986_30e965-7e[data-kb-block=\"kb-adv-heading986_30e965-7e\"]{text-align:center;font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading986_30e965-7e mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading986_30e965-7e[data-kb-block=\"kb-adv-heading986_30e965-7e\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading986_30e965-7e img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading986_30e965-7e[data-kb-block=\"kb-adv-heading986_30e965-7e\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<p class=\"kt-adv-heading986_30e965-7e wp-block-kadence-advancedheading has-theme-palette-9-color has-text-color\" data-kb-block=\"kb-adv-heading986_30e965-7e\">Our Calculate pension tax calculator is the best solution for quickly and freely determining which part of your pension is actually taxable. It accounts for the real taxable percentage, the fixed pension allowance, different pension types, as well as the new 2026 Aktivrente, giving you a realistic estimate of your tax burden. Since German pension taxation increases from year to year, using the calculator regularly is worthwhile for your own retirement financial planning.<\/p>\n<\/div><\/div>\n\n\n<style>.kadence-column986_aa9f4b-ee > .kt-inside-inner-col{padding-top:var(--global-kb-spacing-xl, 4rem);}.kadence-column986_aa9f4b-ee > .kt-inside-inner-col,.kadence-column986_aa9f4b-ee > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column986_aa9f4b-ee > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column986_aa9f4b-ee > .kt-inside-inner-col{flex-direction:column;}.kadence-column986_aa9f4b-ee > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column986_aa9f4b-ee > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column986_aa9f4b-ee{position:relative;}@media all and (max-width: 1024px){.kadence-column986_aa9f4b-ee > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column986_aa9f4b-ee > .kt-inside-inner-col{padding-top:var(--global-kb-spacing-sm, 1.5rem);flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column986_aa9f4b-ee\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-advancedheading.kt-adv-heading986_b1207e-2d, .wp-block-kadence-advancedheading.kt-adv-heading986_b1207e-2d[data-kb-block=\"kb-adv-heading986_b1207e-2d\"]{text-align:center;font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading986_b1207e-2d mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading986_b1207e-2d[data-kb-block=\"kb-adv-heading986_b1207e-2d\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading986_b1207e-2d img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading986_b1207e-2d[data-kb-block=\"kb-adv-heading986_b1207e-2d\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<h2 class=\"kt-adv-heading986_b1207e-2d wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading986_b1207e-2d\"><strong>F<\/strong>AQs &#8211; Calculate Pension Tax Germany<\/h2>\n\n\n<style>.kt-accordion-id986_1fedc3-76 .kt-accordion-inner-wrap{column-gap:var(--global-kb-gap-md, 2rem);row-gap:2px;}.kt-accordion-id986_1fedc3-76 .kt-accordion-panel-inner{border-top:0px solid transparent;border-right:0px solid transparent;border-bottom:0px solid transparent;border-left:0px solid transparent;border-top-left-radius:5px;border-top-right-radius:5px;border-bottom-right-radius:5px;border-bottom-left-radius:5px;background:var(--global-palette7, #EDF2F7);padding-top:var(--global-kb-spacing-sm, 1.5rem);padding-right:var(--global-kb-spacing-sm, 1.5rem);padding-bottom:var(--global-kb-spacing-sm, 1.5rem);padding-left:var(--global-kb-spacing-sm, 1.5rem);}.kt-accordion-id986_1fedc3-76 > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap > .kt-blocks-accordion-header{border-top:0px solid #f2f2f2;border-right:0px solid #f2f2f2;border-bottom:0px solid #f2f2f2;border-left:0px solid #f2f2f2;border-top-left-radius:5px;border-top-right-radius:5px;border-bottom-right-radius:5px;border-bottom-left-radius:5px;background:var(--global-palette1, #3182CE);color:var(--global-palette9, #ffffff);padding-top:10px;padding-right:14px;padding-bottom:10px;padding-left:14px;}.kt-accordion-id986_1fedc3-76:not( .kt-accodion-icon-style-basiccircle ):not( .kt-accodion-icon-style-xclosecircle ):not( .kt-accodion-icon-style-arrowcircle )  > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap .kt-blocks-accordion-icon-trigger:after, .kt-accordion-id986_1fedc3-76:not( .kt-accodion-icon-style-basiccircle ):not( .kt-accodion-icon-style-xclosecircle ):not( .kt-accodion-icon-style-arrowcircle )  > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap .kt-blocks-accordion-icon-trigger:before{background:var(--global-palette9, #ffffff);}.kt-accordion-id986_1fedc3-76:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-blocks-accordion-icon-trigger{background:var(--global-palette9, #ffffff);}.kt-accordion-id986_1fedc3-76:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-blocks-accordion-icon-trigger:after, .kt-accordion-id986_1fedc3-76:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-blocks-accordion-icon-trigger:before{background:var(--global-palette1, #3182CE);}.kt-accordion-id986_1fedc3-76 > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap > .kt-blocks-accordion-header:hover, \n\t\t\t\tbody:not(.hide-focus-outline) .kt-accordion-id986_1fedc3-76 .kt-blocks-accordion-header:focus-visible{color:var(--global-palette9, #ffffff);background:var(--global-palette6, #718096);border-top-color:#eeeeee;border-top-style:solid;border-right-color:#eeeeee;border-right-style:solid;border-bottom-color:#eeeeee;border-bottom-style:solid;border-left-color:#eeeeee;border-left-style:solid;}.kt-accordion-id986_1fedc3-76:not( .kt-accodion-icon-style-basiccircle ):not( .kt-accodion-icon-style-xclosecircle ):not( .kt-accodion-icon-style-arrowcircle ) .kt-accordion-header-wrap .kt-blocks-accordion-header:hover .kt-blocks-accordion-icon-trigger:after, .kt-accordion-id986_1fedc3-76:not( .kt-accodion-icon-style-basiccircle ):not( .kt-accodion-icon-style-xclosecircle ):not( .kt-accodion-icon-style-arrowcircle ) .kt-accordion-header-wrap .kt-blocks-accordion-header:hover .kt-blocks-accordion-icon-trigger:before, body:not(.hide-focus-outline) .kt-accordion-id986_1fedc3-76:not( .kt-accodion-icon-style-basiccircle ):not( .kt-accodion-icon-style-xclosecircle ):not( .kt-accodion-icon-style-arrowcircle ) .kt-blocks-accordion--visible .kt-blocks-accordion-icon-trigger:after, body:not(.hide-focus-outline) .kt-accordion-id986_1fedc3-76:not( .kt-accodion-icon-style-basiccircle ):not( .kt-accodion-icon-style-xclosecircle ):not( .kt-accodion-icon-style-arrowcircle ) .kt-blocks-accordion-header:focus-visible .kt-blocks-accordion-icon-trigger:before{background:var(--global-palette9, #ffffff);}.kt-accordion-id986_1fedc3-76:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-accordion-header-wrap .kt-blocks-accordion-header:hover .kt-blocks-accordion-icon-trigger, body:not(.hide-focus-outline) .kt-accordion-id986_1fedc3-76:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-accordion-header-wrap .kt-blocks-accordion-header:focus-visible .kt-blocks-accordion-icon-trigger{background:var(--global-palette9, #ffffff);}.kt-accordion-id986_1fedc3-76:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-accordion-header-wrap .kt-blocks-accordion-header:hover .kt-blocks-accordion-icon-trigger:after, .kt-accordion-id986_1fedc3-76:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-accordion-header-wrap .kt-blocks-accordion-header:hover .kt-blocks-accordion-icon-trigger:before, body:not(.hide-focus-outline) .kt-accordion-id986_1fedc3-76:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-accordion-header-wrap .kt-blocks-accordion-header:focus-visible .kt-blocks-accordion-icon-trigger:after, body:not(.hide-focus-outline) .kt-accordion-id986_1fedc3-76:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-accordion-header-wrap .kt-blocks-accordion-header:focus-visible .kt-blocks-accordion-icon-trigger:before{background:var(--global-palette6, #718096);}.kt-accordion-id986_1fedc3-76 .kt-accordion-header-wrap .kt-blocks-accordion-header:focus-visible,\n\t\t\t\t.kt-accordion-id986_1fedc3-76 > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap > .kt-blocks-accordion-header.kt-accordion-panel-active{color:var(--global-palette9, #ffffff);background:var(--global-palette2, #2B6CB0);border-top-color:#444444;border-top-style:solid;border-right-color:#444444;border-right-style:solid;border-bottom-color:#444444;border-bottom-style:solid;border-left-color:#444444;border-left-style:solid;}.kt-accordion-id986_1fedc3-76:not( .kt-accodion-icon-style-basiccircle ):not( .kt-accodion-icon-style-xclosecircle ):not( .kt-accodion-icon-style-arrowcircle )  > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap > .kt-blocks-accordion-header.kt-accordion-panel-active .kt-blocks-accordion-icon-trigger:after, .kt-accordion-id986_1fedc3-76:not( .kt-accodion-icon-style-basiccircle ):not( .kt-accodion-icon-style-xclosecircle ):not( .kt-accodion-icon-style-arrowcircle )  > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap > .kt-blocks-accordion-header.kt-accordion-panel-active .kt-blocks-accordion-icon-trigger:before{background:var(--global-palette9, #ffffff);}.kt-accordion-id986_1fedc3-76:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-blocks-accordion-header.kt-accordion-panel-active .kt-blocks-accordion-icon-trigger{background:var(--global-palette9, #ffffff);}.kt-accordion-id986_1fedc3-76:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-blocks-accordion-header.kt-accordion-panel-active .kt-blocks-accordion-icon-trigger:after, .kt-accordion-id986_1fedc3-76:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-blocks-accordion-header.kt-accordion-panel-active .kt-blocks-accordion-icon-trigger:before{background:var(--global-palette2, #2B6CB0);}@media all and (max-width: 1024px){.kt-accordion-id986_1fedc3-76 .kt-accordion-panel-inner{border-top:0px solid transparent;border-right:0px solid transparent;border-bottom:0px solid transparent;border-left:0px solid transparent;}}@media all and (max-width: 1024px){.kt-accordion-id986_1fedc3-76 > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap > .kt-blocks-accordion-header{border-top:0px solid #f2f2f2;border-right:0px solid #f2f2f2;border-bottom:0px solid #f2f2f2;border-left:0px solid #f2f2f2;}}@media all and (max-width: 1024px){.kt-accordion-id986_1fedc3-76 > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap > .kt-blocks-accordion-header:hover, \n\t\t\t\tbody:not(.hide-focus-outline) .kt-accordion-id986_1fedc3-76 .kt-blocks-accordion-header:focus-visible{border-top-color:#eeeeee;border-top-style:solid;border-right-color:#eeeeee;border-right-style:solid;border-bottom-color:#eeeeee;border-bottom-style:solid;border-left-color:#eeeeee;border-left-style:solid;}}@media all and (max-width: 1024px){.kt-accordion-id986_1fedc3-76 .kt-accordion-header-wrap .kt-blocks-accordion-header:focus-visible,\n\t\t\t\t.kt-accordion-id986_1fedc3-76 > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap > .kt-blocks-accordion-header.kt-accordion-panel-active{border-top-color:#444444;border-top-style:solid;border-right-color:#444444;border-right-style:solid;border-bottom-color:#444444;border-bottom-style:solid;border-left-color:#444444;border-left-style:solid;}}@media all and (max-width: 767px){.kt-accordion-id986_1fedc3-76 .kt-accordion-inner-wrap{display:block;}.kt-accordion-id986_1fedc3-76 .kt-accordion-inner-wrap .kt-accordion-pane:not(:first-child){margin-top:2px;}.kt-accordion-id986_1fedc3-76 .kt-accordion-panel-inner{border-top:0px solid transparent;border-right:0px solid transparent;border-bottom:0px solid transparent;border-left:0px solid transparent;}.kt-accordion-id986_1fedc3-76 > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap > .kt-blocks-accordion-header{border-top:0px solid #f2f2f2;border-right:0px solid #f2f2f2;border-bottom:0px solid #f2f2f2;border-left:0px solid #f2f2f2;font-size:var(--global-kb-font-size-sm, 0.9rem);}.kt-accordion-id986_1fedc3-76 > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap > .kt-blocks-accordion-header:hover, \n\t\t\t\tbody:not(.hide-focus-outline) .kt-accordion-id986_1fedc3-76 .kt-blocks-accordion-header:focus-visible{border-top-color:#eeeeee;border-top-style:solid;border-right-color:#eeeeee;border-right-style:solid;border-bottom-color:#eeeeee;border-bottom-style:solid;border-left-color:#eeeeee;border-left-style:solid;}.kt-accordion-id986_1fedc3-76 .kt-accordion-header-wrap .kt-blocks-accordion-header:focus-visible,\n\t\t\t\t.kt-accordion-id986_1fedc3-76 > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap > .kt-blocks-accordion-header.kt-accordion-panel-active{border-top-color:#444444;border-top-style:solid;border-right-color:#444444;border-right-style:solid;border-bottom-color:#444444;border-bottom-style:solid;border-left-color:#444444;border-left-style:solid;}}<\/style>\n<div class=\"wp-block-kadence-accordion alignnone\"><div class=\"kt-accordion-wrap kt-accordion-id986_1fedc3-76 kt-accordion-has-9-panes kt-active-pane-0 kt-accordion-block kt-pane-header-alignment-left kt-accodion-icon-style-basic kt-accodion-icon-side-right\" style=\"max-width:none\"><div class=\"kt-accordion-inner-wrap\" data-allow-multiple-open=\"false\" data-start-open=\"0\">\n<div class=\"wp-block-kadence-pane kt-accordion-pane kt-accordion-pane-1 kt-pane986_2baeb2-da\"><div class=\"kt-accordion-header-wrap\"><button class=\"kt-blocks-accordion-header kt-acccordion-button-label-show\" type=\"button\"><span class=\"kt-blocks-accordion-title-wrap\"><span class=\"kt-blocks-accordion-title\">Do I have to pay tax on my pension in Germany?<\/span><\/span><span class=\"kt-blocks-accordion-icon-trigger\"><\/span><\/button><\/div><div class=\"kt-accordion-panel kt-accordion-panel-hidden\"><div class=\"kt-accordion-panel-inner\"><style>.wp-block-kadence-advancedheading.kt-adv-heading986_9267f6-fa, .wp-block-kadence-advancedheading.kt-adv-heading986_9267f6-fa[data-kb-block=\"kb-adv-heading986_9267f6-fa\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading986_9267f6-fa mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading986_9267f6-fa[data-kb-block=\"kb-adv-heading986_9267f6-fa\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading986_9267f6-fa img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading986_9267f6-fa[data-kb-block=\"kb-adv-heading986_9267f6-fa\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<p class=\"kt-adv-heading986_9267f6-fa wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading986_9267f6-fa\">Yes, most pensions in Germany are generally subject to tax. How much tax you actually owe depends on the year your pension began, the total amount of your income, and your marital status. If your taxable income is below the basic tax-free allowance, no income tax is due.<\/p>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-kadence-pane kt-accordion-pane kt-accordion-pane-3 kt-pane986_3eb3e3-ec\"><div class=\"kt-accordion-header-wrap\"><button class=\"kt-blocks-accordion-header kt-acccordion-button-label-show\" type=\"button\"><span class=\"kt-blocks-accordion-title-wrap\"><span class=\"kt-blocks-accordion-title\">How is pension tax calculated in Germany?<\/span><\/span><span class=\"kt-blocks-accordion-icon-trigger\"><\/span><\/button><\/div><div class=\"kt-accordion-panel kt-accordion-panel-hidden\"><div class=\"kt-accordion-panel-inner\"><style>.wp-block-kadence-advancedheading.kt-adv-heading986_eeb58b-a5, .wp-block-kadence-advancedheading.kt-adv-heading986_eeb58b-a5[data-kb-block=\"kb-adv-heading986_eeb58b-a5\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading986_eeb58b-a5 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading986_eeb58b-a5[data-kb-block=\"kb-adv-heading986_eeb58b-a5\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading986_eeb58b-a5 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading986_eeb58b-a5[data-kb-block=\"kb-adv-heading986_eeb58b-a5\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<p class=\"kt-adv-heading986_eeb58b-a5 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading986_eeb58b-a5\">The basis is the taxable percentage, which depends on the year your pension began. From your first full gross annual pension, a fixed pension allowance in euros is calculated. Anything above this allowance, combined with any additional income, becomes part of your taxable income, to which the progressive income tax rate is then applied.<\/p>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-kadence-pane kt-accordion-pane kt-accordion-pane-4 kt-pane986_0054b8-00\"><div class=\"kt-accordion-header-wrap\"><button class=\"kt-blocks-accordion-header kt-acccordion-button-label-show\" type=\"button\"><span class=\"kt-blocks-accordion-title-wrap\"><span class=\"kt-blocks-accordion-title\">How high is the tax-free allowance for pensioners in 2026?<\/span><\/span><span class=\"kt-blocks-accordion-icon-trigger\"><\/span><\/button><\/div><div class=\"kt-accordion-panel kt-accordion-panel-hidden\"><div class=\"kt-accordion-panel-inner\"><style>.wp-block-kadence-advancedheading.kt-adv-heading986_4b111d-ce, .wp-block-kadence-advancedheading.kt-adv-heading986_4b111d-ce[data-kb-block=\"kb-adv-heading986_4b111d-ce\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading986_4b111d-ce mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading986_4b111d-ce[data-kb-block=\"kb-adv-heading986_4b111d-ce\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading986_4b111d-ce img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading986_4b111d-ce[data-kb-block=\"kb-adv-heading986_4b111d-ce\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<p class=\"kt-adv-heading986_4b111d-ce wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading986_4b111d-ce\">In 2026, the basic tax-free allowance is 12,348 euros for single people and 24,696 euros for married couples filing jointly. In addition, most pensioners benefit from their individual pension allowance, which is calculated from their first full annual pension.<\/p>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-kadence-pane kt-accordion-pane kt-accordion-pane-5 kt-pane986_906fd7-e9\"><div class=\"kt-accordion-header-wrap\"><button class=\"kt-blocks-accordion-header kt-acccordion-button-label-show\" type=\"button\"><span class=\"kt-blocks-accordion-title-wrap\"><span class=\"kt-blocks-accordion-title\">How much tax do I have to pay on a pension of 2,000 euros a month?<\/span><\/span><span class=\"kt-blocks-accordion-icon-trigger\"><\/span><\/button><\/div><div class=\"kt-accordion-panel kt-accordion-panel-hidden\"><div class=\"kt-accordion-panel-inner\"><style>.wp-block-kadence-advancedheading.kt-adv-heading986_2bec01-69, .wp-block-kadence-advancedheading.kt-adv-heading986_2bec01-69[data-kb-block=\"kb-adv-heading986_2bec01-69\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading986_2bec01-69 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading986_2bec01-69[data-kb-block=\"kb-adv-heading986_2bec01-69\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading986_2bec01-69 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading986_2bec01-69[data-kb-block=\"kb-adv-heading986_2bec01-69\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<p class=\"kt-adv-heading986_2bec01-69 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading986_2bec01-69\">This depends heavily on the year your pension began, since that determines your taxable percentage. For a pension starting in 2026, around 84 percent of a 24,000 euro annual pension would be taxable. Whether and how much tax is actually due also depends on additional income and allowances. Our pension tax calculator gives you a precise result for your personal situation.<\/p>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-kadence-pane kt-accordion-pane kt-accordion-pane-6 kt-pane986_da985c-25\"><div class=\"kt-accordion-header-wrap\"><button class=\"kt-blocks-accordion-header kt-acccordion-button-label-show\" type=\"button\"><span class=\"kt-blocks-accordion-title-wrap\"><span class=\"kt-blocks-accordion-title\">How much tax do I have to pay on a pension of 1,800 euros?<\/span><\/span><span class=\"kt-blocks-accordion-icon-trigger\"><\/span><\/button><\/div><div class=\"kt-accordion-panel kt-accordion-panel-hidden\"><div class=\"kt-accordion-panel-inner\"><style>.wp-block-kadence-advancedheading.kt-adv-heading986_f03655-51, .wp-block-kadence-advancedheading.kt-adv-heading986_f03655-51[data-kb-block=\"kb-adv-heading986_f03655-51\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading986_f03655-51 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading986_f03655-51[data-kb-block=\"kb-adv-heading986_f03655-51\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading986_f03655-51 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading986_f03655-51[data-kb-block=\"kb-adv-heading986_f03655-51\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<p class=\"kt-adv-heading986_f03655-51 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading986_f03655-51\">Here too, what matters is not just the amount of the pension, but the year the pension began and any additional income. For a single person with no additional income, a large part of this pension often remains tax-free, staying below the basic tax-free allowance. Use our pension tax calculator to calculate your individual tax burden directly.<\/p>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-kadence-pane kt-accordion-pane kt-accordion-pane-7 kt-pane986_2fa4b6-53\"><div class=\"kt-accordion-header-wrap\"><button class=\"kt-blocks-accordion-header kt-acccordion-button-label-show\" type=\"button\"><span class=\"kt-blocks-accordion-title-wrap\"><span class=\"kt-blocks-accordion-title\">Can I work in addition to my pension without paying tax?<\/span><\/span><span class=\"kt-blocks-accordion-icon-trigger\"><\/span><\/button><\/div><div class=\"kt-accordion-panel kt-accordion-panel-hidden\"><div class=\"kt-accordion-panel-inner\"><style>.wp-block-kadence-advancedheading.kt-adv-heading986_478ada-d1, .wp-block-kadence-advancedheading.kt-adv-heading986_478ada-d1[data-kb-block=\"kb-adv-heading986_478ada-d1\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading986_478ada-d1 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading986_478ada-d1[data-kb-block=\"kb-adv-heading986_478ada-d1\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading986_478ada-d1 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading986_478ada-d1[data-kb-block=\"kb-adv-heading986_478ada-d1\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<p class=\"kt-adv-heading986_478ada-d1 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading986_478ada-d1\">Yes, since 2026 the Aktivrente allows pensioners who have reached the standard retirement age to earn up to 2,000 euros in gross wages per month tax-free. However, contributions to health and long-term care insurance still apply to this income.<\/p>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-kadence-pane kt-accordion-pane kt-accordion-pane-8 kt-pane986_d810ed-38\"><div class=\"kt-accordion-header-wrap\"><button class=\"kt-blocks-accordion-header kt-acccordion-button-label-show\" type=\"button\"><span class=\"kt-blocks-accordion-title-wrap\"><span class=\"kt-blocks-accordion-title\">What is the average pension income in Germany?<\/span><\/span><span class=\"kt-blocks-accordion-icon-trigger\"><\/span><\/button><\/div><div class=\"kt-accordion-panel kt-accordion-panel-hidden\"><div class=\"kt-accordion-panel-inner\"><style>.wp-block-kadence-advancedheading.kt-adv-heading986_c6fa24-31, .wp-block-kadence-advancedheading.kt-adv-heading986_c6fa24-31[data-kb-block=\"kb-adv-heading986_c6fa24-31\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading986_c6fa24-31 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading986_c6fa24-31[data-kb-block=\"kb-adv-heading986_c6fa24-31\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading986_c6fa24-31 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading986_c6fa24-31[data-kb-block=\"kb-adv-heading986_c6fa24-31\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<p class=\"kt-adv-heading986_c6fa24-31 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading986_c6fa24-31\">According to figures from 2025, the average net pension income for a full 45-year insurance period is around 1,637 euros per month.<\/p>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-kadence-pane kt-accordion-pane kt-accordion-pane-9 kt-pane986_92721a-a7\"><div class=\"kt-accordion-header-wrap\"><button class=\"kt-blocks-accordion-header kt-acccordion-button-label-show\" type=\"button\"><span class=\"kt-blocks-accordion-title-wrap\"><span class=\"kt-blocks-accordion-title\">How can I check my pension entitlements in Germany?<\/span><\/span><span class=\"kt-blocks-accordion-icon-trigger\"><\/span><\/button><\/div><div class=\"kt-accordion-panel kt-accordion-panel-hidden\"><div class=\"kt-accordion-panel-inner\"><style>.wp-block-kadence-advancedheading.kt-adv-heading986_cc1609-02, .wp-block-kadence-advancedheading.kt-adv-heading986_cc1609-02[data-kb-block=\"kb-adv-heading986_cc1609-02\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading986_cc1609-02 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading986_cc1609-02[data-kb-block=\"kb-adv-heading986_cc1609-02\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading986_cc1609-02 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading986_cc1609-02[data-kb-block=\"kb-adv-heading986_cc1609-02\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<p class=\"kt-adv-heading986_cc1609-02 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading986_cc1609-02\">To check your pension entitlements, you can log in through the online portal of the German Pension Insurance (Deutsche Rentenversicherung) and view your personal pension information there using your social security number.<\/p>\n<\/div><\/div><\/div>\n<\/div><\/div><\/div>\n<\/div><\/div>\n\n<\/div><\/div>","protected":false},"excerpt":{"rendered":"<p>Calculate Pension Tax Germany The German pension system is regarded as one of the best&#8230;<\/p>\n","protected":false},"author":3,"featured_media":1007,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_kad_blocks_custom_css":"","_kad_blocks_head_custom_js":"","_kad_blocks_body_custom_js":"","_kad_blocks_footer_custom_js":"","_kad_post_transparent":"","_kad_post_title":"","_kad_post_layout":"","_kad_post_sidebar_id":"","_kad_post_content_style":"","_kad_post_vertical_padding":"","_kad_post_feature":"","_kad_post_feature_position":"","_kad_post_header":false,"_kad_post_footer":false,"_kad_post_classname":"","footnotes":""},"categories":[17],"tags":[],"class_list":["post-986","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-income-salary"],"taxonomy_info":{"category":[{"value":17,"label":"Income &amp; 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