Employee Share (9.3%)
EUR693
Contribution Base
EUR7,450
Employer Share (9.3%)
EUR693
Total Monthly Contribution
EUR1,386
Rentenversicherung-Rechner — Gross Monthly वेतन (€) ₹20,000
With gross monthly वेतन (€) of ₹20,000, the employee share (9.3%) is EUR693.
Contribution ceiling (Beitragsbemessungsgrenze) is €7,450/month West / €7,450/month East in 2025
Contribution Base
EUR4,000
Employee Share (9.3%)
EUR372
Employer Share (9.3%)
EUR372
Total Monthly Contribution
EUR744
2025 pension insurance rate: 18.6% (9.3% each employee and employer). Beitragsbemessungsgrenze: €7,450/month (West) in 2025. Income above the ceiling is not subject to pension contributions.
What is the Rentenversicherung-Rechner?
Germany's gesetzliche Rentenversicherung (GRV) is a pay-as-you-go state pension system. The 2025 contribution rate is 18.6%, split equally between employer and employee. Contributions are only levied up to the Beitragsbemessungsgrenze (contribution ceiling) of €7,450/month in the western states.
Formula
Employee contribution = min(Gross, €7,450) × 9.3%. Employer pays the same.- 7450
- = Contribution ceiling 2025 (West)
- S
- = Gross monthly salary
- 0.093
- = Employee rate (9.3%)
How to use the Rentenversicherung-Rechner
- 1
Step 1
Enter your gross monthly salary.
- 2
Step 2
View the contribution split between you and your employer instantly.
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Frequently asked questions
What is the pension insurance rate in Germany in 2025?
18.6% total — 9.3% paid by the employee and 9.3% paid by the employer, on salary up to €7,450/month.
Is there a maximum pension contribution?
Yes. The Beitragsbemessungsgrenze caps contributions at €7,450/month (€89,400/year) in western Germany in 2025. Salary above this is exempt.
Sources
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Calculated with CalcCrack